A change in an insurance application requires which action by the applicant?

• A. An initial signature by the applicant
• B. A signature by the applicant
• C. An initial by the applicant
• D. A new application

Answer: (C)

When an insurance application is changed after it’s already been signed, the applicant must initial the changes. Initialing near the edits shows the applicant reviewed and approved those specific modifications, creating a clear record without requiring a full re-signature of the entire form. This protects both the insurer and applicant by tying the approval to the exact change. A full new application isn’t typically needed just for a minor change, and a full signature on the modified document would imply re-executing the entire form rather than confirming only the edits; that’s why initials are used for changes. Therefore, the required action is for the applicant to initial the changes.