An agent completes a life application for a client who is unavailable to sign. The agent signs the client's name and submits the application. Under Ohio law:

Why A is correct

ORC 3905.14(B)(11) and (B)(26) make forging an application, or signing another person's name on an insurance document, a ground for discipline of the licensee. The applicant's signature evidences the applicant's own representations and consents, so an agent who signs for the client has forged a material document and faces suspension, revocation, or other sanctions from the Superintendent, regardless of what happens later with the premium.

Why the other options are wrong

• B) Later payment of the first premium does not authorize the forgery; the signature must be the applicant's own at the time of application.
• C) An explanatory note does not cure a forged signature; signing the client's name is itself the disciplinary offense.
• D) The disciplinary provisions reach the licensee directly, so the agent — not only the insurer — is subject to sanctions.

Memory hook

Never hold the pen for the applicant — that signature is a forged document.