Who is authorized to correct an error on an insurance application and how?

Who is authorized to correct an error on an insurance application and how?

• A. The applicant or the producer can correct, with initials, or a new application may be completed.
• B. Corrections require a court order.
• C. Only the insurer's underwriter can correct.
• D. The applicant can correct without initials; the producer cannot.

Answer: (A)

When an error appears on an insurance application, the correction should be made by the applicant or the producer, and it must be clearly marked with initials (and the date) near the change. This creates an auditable trail showing who approved the correction. If the error is substantial or hard to fix in place, a complete new application may be submitted to replace the erroneous one. Corrections aren’t done by a court order, and they aren’t valid if made without the correcting party’s initials.

When an error appears on an insurance application, the correction should be made by the applicant or the producer, and it must be clearly marked with initials (and the date) near the change. This creates an auditable trail showing who approved the correction. If the error is substantial or hard to fix in place, a complete new application may be submitted to replace the erroneous one. Corrections aren’t done by a court order, and they aren’t valid if made without the correcting party’s initials.