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	<title>New answer on: What Is On A Life Insurance Application?</title>

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		<title>By: Peggy Mace</title>

		<link>https://insurancelibrary.com/life-insurance/what-is-on-a-life-insurance-application</link>

		<dc:creator>Peggy Mace</dc:creator>

		<pubDate>Mon, 28 Apr 2014 17:01:11 +0000</pubDate>

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		<description><![CDATA[All life insurance applications ask for name, address, SSN, face amount, beneficiary, means of payment, and signature to agree to the terms of the contract. If it is a guaranteed issue policy, that is about the extent of the application. 

Simplified issue life insurance will ask a limited number of health questions in addition to the above. Most policies of this type will also ask if a policy is being replaced as a result of this transaction. 

Fully medically underwritten policies include all of the above, plus more detailed health questions, employment info, income, net worth, family health history, smoking history, whether the applicant indulges in dangerous hobbies, substance abuse questions, driving record, crime record, and names and addresses of doctors and medical records. Medically underwritten policies also request permission to do the HIV test.]]></description>

		

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		<title>By: David Pipes</title>

		<link>https://insurancelibrary.com/life-insurance/what-is-on-a-life-insurance-application</link>

		<dc:creator>David Pipes</dc:creator>

		<pubDate>Mon, 28 Apr 2014 15:38:09 +0000</pubDate>

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		<description><![CDATA[A life insurance application requires sufficient information to positively identify you.  The application also identifies the plan and face amount that you desire.  It positively identifies who will receive the proceeds, and if they don’t survive, who will be a contingent beneficiary.  The application may include sufficient medical questions to get a good idea of your general health and then the application includes releases so that additional information can be gathered. ]]></description>

		

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		<title>By: Jason Goldenzweig</title>

		<link>https://insurancelibrary.com/life-insurance/what-is-on-a-life-insurance-application</link>

		<dc:creator>Jason Goldenzweig</dc:creator>

		<pubDate>Mon, 28 Apr 2014 12:31:46 +0000</pubDate>

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		<description><![CDATA[Each carrier&#039;s application is different, but you can generally expect to find the same types of sections on each including:

1) General information section (e.g. name, address, social security number, phone number, occupation, etc.)
2) Plan Information (where you enter in what coverage you want to apply for)
3) General information questions
4) Health information questions
5) Trust information (if applicable)
6) Replacement form (to be used if replacing existing coverage)
7) Authorization forms (including HIPAA forms, Blood test form, etc.)
8) Supplementary Forms (e.g. foreign travel form, medical condition specifications, alcohol/drug usage, tobacco usage, etc. - generally only needed for certain histories or if requested by the carrier).

I always recommend to my clients to let me go through the application with them to make sure everything is in good order so you don&#039;t have to redo any paperwork or chase down clarifications later.]]></description>

		

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