What happens if an application is received incomplete by the insurer?

When an application is received incomplete by the insurer, the standard procedure is to return it for completion. This is because insurance companies require all necessary information to accurately assess the risk and determine eligibility for coverage. An incomplete application may lack critical details such as health history, beneficiary designation, or other relevant data that affect underwriting decisions. Therefore, returning the application ensures that the applicant has the opportunity to provide all required information before a decision is made. This step also helps prevent issues that could arise from assumptions or incomplete disclosures that might impact the insurance policy validly. This practice maintains compliance with regulatory standards and protects both the insurer and the applicant.