If an applicant for life insurance misses questions on the application, what should the insurer do?

Returning the application to the applicant for completion is the appropriate course of action when questions are missed. This ensures that the insurer has complete and accurate information necessary for underwriting the policy. Insurance applications are designed to collect vital information about the applicant's health, lifestyle, and other risk factors that can impact the decision to issue a policy and the terms of coverage.

By returning the application for completion, the insurer protects both itself and the applicant. It minimizes the risk of misrepresentation or incomplete information that could affect claims in the future. Additionally, a complete application helps the insurer to evaluate risk accurately and set appropriate premiums. This process also maintains clear communication with the applicant, ensuring they understand the importance of providing comprehensive information.

Alternatively, the other options do not fully address the necessity of obtaining clarified information. Processing the application with caution may lead to further complications down the line and could result in a decision based on incomplete data. Issuing a temporary insurance agreement without clear answers on the application could expose the insurer to unforeseen risks and potential liabilities. Contacting the applicant for clarification is helpful, but returning the application for completion ensures that all questions are answered fully.