Who is typically required to sign an insurance application?

The applicant for the policy is typically required to sign an insurance application because they are the individual seeking coverage and providing the necessary personal information required for underwriting and premium calculation. This signature serves to affirm the truthfulness of the information provided and indicates their agreement to the terms and conditions of the policy. The signed application is crucial as it forms part of the contract between the insurer and the insured, ensuring that the underwriting process is based on accurate details about the applicant's circumstances, including their health status, lifestyle, and any other relevant risk factors.

This signifies the applicant's responsibility not only for the information given but also for the adherence to the policy's stipulations once it is issued. The roles of others, such as insurance agents, authorized representatives, or witnesses, do not typically involve signing the application to validate its content or the applicant’s commitment to the insurance contract; rather, they may assist in the process or provide support, but the responsibility and authority to sign lies with the applicant themselves.