Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A husband applies for a life insurance policy on his own life and names his wife as beneficiary. Which signature(s) are required on the application?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The applicant must sign the application, and when the applicant and the insured are different people, the insured must also sign to consent to the coverage. Here the husband is both applicant and insured, so his signature is required. The beneficiary does not sign, the insurer signs when issuing the policy (not the application), and no witness is required under the standard rules.
Why the other options are wrong
- B) The beneficiary's consent is not required on the application and the beneficiary does not sign it.
- C) The insurer's signature appears on the policy at issuance, not on the application.
- D) A witness is not required for a life insurance application.
Memory hook
Signatures on the application: the applicant signs, and the insured signs too if someone else applied. No one else needs a pen.