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application, underwriting, and policy delivery

Who needs to sign the application? The applicant and producer (also the insured if different than the applicant)
What makes up the applicant's offer to buy? The application and the premium payment.
Can producers change the application after it's completed? Only if the applicant initials the change.
Are incomplete applications accepted? No, they are usually returned to the applicant to complete.
What happens when an insurer accepts an incomplete application? They may be giving up their future rights under the incontestability clause
What is estoppel? The inability to enforce legal rights once given up
Created by: 707969195