If an agent fails to obtain the applicant's signature on the application, what must the insurer do?

When an agent fails to obtain the applicant's signature on the application, it is essential for the integrity of the insurance process that the insurer ensures all necessary documentation is complete and accurate before proceeding. Sending the application back to the applicant for a signature is the appropriate course of action, as the applicant's signature is critical for confirming their understanding and acceptance of the policy terms, as well as for validating the application itself.

Without the applicant's signature, the application cannot be deemed valid, and the issuance of a policy could be legally questionable. This step ensures compliance with regulatory requirements and protects both the insurer and the applicant by ensuring that all necessary consent and information are properly documented.

Proceeding without the signature or submitting it directly to a regulatory body would not resolve the issue of missing consent. Rectifying the issue by notifying the agent could be part of the process, but the primary responsibility lies with the insurer to ensure that the application is fully completed before taking further steps.