Which signature is not required on an individual life or health insurance application?

• A. Applicant
• B. Producer
• C. Insurer
• D. Beneficiary

Answer: (C)

The key idea is who signs a life or health insurance application. The proposal is made by the applicant with the agent, and the people signing are the applicant and the producer to certify the information and consent to release medical records if needed. The insurer does not sign the application because the contract isn’t issued yet—the insurer's signature appears on the policy after underwriting and approval. So, the signature not required on the application is the insurer’s. The beneficiary isn’t part of the signing on the application, since their role is tied to the policy’s design, not the application process.