State RegulationsOH specificDifficulty 2/5
An Ohio producer is completing an insurance application with a prospective insured. Which practice is proper?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
The application is the applicant's own record and a core underwriting source, so the producer must faithfully record what the applicant states and what the producer personally observes. Ohio law treats application statements as the applicant's representations (ORC 3915.05(D)), forging or improperly altering an application is a disciplinary ground under ORC 3905.14(B), and an agent has no authority to change the policy or waive its provisions (ORC 3923.04(A)). Accurate recording protects both the underwriter and the producer.
Why the other options are wrong
- A) A producer may never promise issuance; the underwriting decision belongs to the insurer alone.
- C) Medical answers must come from the applicant's own statements; substituting the producer's opinion falsifies the underwriting record.
- D) Altering answers after signature is exactly the kind of application falsification that ORC 3905.14(B) treats as a disciplinary ground.
Memory hook
Write what they say, not what you think.