Washington Life Producer Practice Exam

Which signature is not required on an insurance application?

1. Applicant

2. Agent

3. Insurer

4. Witness

The correct answer is: Insurer

In an insurance application, the signature of the insurer is not required. The applicant, who is the person seeking insurance coverage, must provide their signature to confirm the truthfulness of the information provided in the application. The agent’s signature is necessary as well, as it acknowledges the agent's involvement in the application process and their role in marketing the product. Witness signatures may be required in certain situations, particularly for specific types of policies or in certain states, but they are not universally required. The insurer's signature, however, is not part of the application process because the insurer will review and underwrite the application after submission, and the policy is not effective until it is issued and accepted by the insurer. Thus, it is correct that the insurer’s signature is not a required element on the application itself.