If changes are made on an insurance application, what must be done?

When changes are made on an insurance application, those changes must be crossed out and initialed by the applicant. This practice serves multiple purposes. Firstly, it provides a clear record of what modifications were made, ensuring that the final submitted application accurately reflects the applicant's intentions. The act of initialing next to the changes indicates approval and acknowledgment of those modifications by the applicant. This helps to prevent any potential disputes or misunderstandings regarding the information provided on the application.

Erasing changes completely, making changes without notation, or requiring a new application can lead to confusion and misrepresentation, as there would be no clear evidence of what was altered and why. Therefore, crossing out unwanted information and initializing changes is the best practice in maintaining the integrity of the application process.