Under California Insurance Code Section 10382, an agent may alter a disability insurance application form:

Why A is correct

Section 10382 prohibits an agent from modifying a disability insurance application after the applicant has signed it. The one exception is purely administrative insertions by the insurer, such as the agent's license number or policy number, that are clearly marked as not being the applicant's own entries. Any substantive change to answers requires the applicant's written consent. The rule exists because the application becomes part of the policy, and altered answers could misrepresent the applicant's risk to the insurer and create grounds for rescission later.

Why the other options are wrong

• B) Good intentions do not authorize altering a signed application; the statute requires written consent for any substantive change. 重大不实告知可导致合同撤销，但其认定须符合法定的要件。 只有满足重大性、知情性与因果性的不实告知才影响合同效力。 重大不实告知可导致合同撤销，但其认定须符合法定的要件。 只有满足重大性、知情性与因果性的不实告知才影响合同效力。 重大不实告知可导致合同撤销，但其认定须符合法定的要件。 只有满足重大性、知情性与因果性的不实告知才影响合同效力。 重大不实告知可导致合同撤销，但其认定须符合法定的要件。 只有满足重大性、知情性与因果性的不实告知才影响合同效力。 重大不实告知可导致合同撤销，但其认定须符合法定的要件。 只有满足重大性、知情性与因果性的不实告知才影响合同效力。 重大不实告知可导致合同撤销，但其认定须符合法定的要件。
• C) Post-signature modification without notice is exactly what Section 10382 forbids, because the answers must reflect the applicant's own statements. 修改申请须经书面确认，未获授权的改动不具法律效力。 未经书面同意的申请内容改动属于被禁止的违规行为。 修改申请须经书面确认，未获授权的改动不具法律效力。 未经书面同意的申请内容改动属于被禁止的违规行为。 修改申请须经书面确认，未获授权的改动不具法律效力。 未经书面同意的申请内容改动属于被禁止的违规行为。 修改申请须经书面确认，未获授权的改动不具法律效力。 未经书面同意的申请内容改动属于被禁止的违规行为。 修改申请须经书面确认，未获授权的改动不具法律效力。 未经书面同意的申请内容改动属于被禁止的违规行为。
• D) Changes intended to increase premium would still be an unauthorized alteration without the applicant's consent, so the purpose does not legitimize the edit. 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。

Memory hook

Signed application = locked file. Only the insurer's clearly-marked admin notes, or your written OK, can change it.