Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
While helping an applicant complete a life insurance application, the agent notices that the applicant has given answers that the agent believes are inaccurate. The agent should:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The application is the basis of the contract, and the insurer underwrites on the statements it contains. The agent must record the applicant's answers accurately and honestly, and flag concerns (such as apparent misstatements) in the agent's report rather than altering answers. Altering answers, leaving questions blank to hide information, or submitting an unsigned application violates the producer's duty of accuracy and could support a rescission of coverage.
Why the other options are wrong
- B) Changing answers without the applicant's authorization is dishonest and could void the policy or expose the agent to liability.
- C) Blank answers hide information from the underwriter and defeat the purpose of the application.
- D) The application must be signed by the applicant (and the insured, if different); an unsigned application is incomplete.
Memory hook
The application is the truth the insurer relies on. The agent records it, never rewrites it, and flags what looks wrong.