What is required for ANY change in an insurance application?

• A. Change must be initiated by the insurer
• B. Change must be initiated by the applicant
• C. Change must be initiated by the agent
• D. Change must be initiated by the underwriter

Answer: (B)

The key idea is that the application is the applicant’s statements and consent about the risk. Any change to that information must come from the applicant and be authorized by them (usually by signing or initialing the amendment). The insurer, producer, or underwriter can request corrections or provide additional information, but they cannot unilaterally alter what the applicant has stated without the applicant’s approval. This protects accuracy and prevents changes that could alter the risk without the applicant’s consent. If a material change isn’t initiated by the applicant, it could lead to misrepresentation and jeopardize coverage or claims.