What must happen to an application before it can be processed if it is incomplete?

For an application to be processed, completeness is essential, as all necessary information is required to evaluate the applicant's eligibility for life insurance coverage. If the application is incomplete, returning it to the applicant for completion is the most logical and effective course of action. This ensures that the prospective policyholder has the opportunity to provide any missing information, thereby avoiding delays in processing and potential issues with underwriting.

Gathering complete information is critical for the insurer to accurately assess risks and determine appropriate premium rates. By facilitating the applicant's engagement in this way, it helps ensure a smoother and more efficient underwriting process once the application is resubmitted with all the required details. Thus, returning it for completion demonstrates good customer service and adherence to regulatory requirements.