A change in an insurance application requires

• A. an initial made by the applicant
• B. a notarized signature
• C. a medical exam
• D. a second underwriting review

Answer: (A)

When a change is made to an insurance application, the applicant must initial the change. This simple act confirms the applicant’s awareness and consent to the modification, preventing later disputes about whether the change was approved or accurately recorded.

A notarized signature isn’t normally required for changes—an initial next to the change is the standard acknowledgment. A medical exam isn’t automatically triggered just because of a change in the application, unless the alteration affects risk in a way that would warrant updated underwriting. A second underwriting review isn’t inherently required for every change; it may occur if the change significantly impacts risk, but it isn’t a guaranteed step for simply modifying the application.