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Life Insurance Application Form

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MetLife Life Insurance Application and Forms Package

For use in the State of:

Policy Number:

SECTION I - About the Proposed Insured

First Name Middle Name Last Name

Permanent Address City State Zip

Country of Legal Residence Date of Birth E-Mail Address

Primary Phone Number Alternate Phone Number

Preferred Time to Call Sex Place of Birth

Social Security or Tax ID Number Earned Annual Income Net Worth

U.S. Driver's License Passport Government Issued Photo ID

Issuer of ID ID Number Issue Date Expiration Date

Name of Employer Employer City State Zip

Position/Duties

SECTION II - About the Owner

Owner - Trust/Business Entity Name Tax ID Number Trustee/Owner State

Owner - Other Individual First Name Middle Name Last Name

Permanent Address City State Zip

Country of Legal Residence Citizenship Social Security or Tax ID Number

Date of Birth Phone Number E-Mail Address

Earned Annual Income Net Worth Relationship to Proposed Insured

SECTION III - About the Beneficiary / Beneficiaries

SECTION IV - About Proposed Coverage

Universal Life Variable Life Whole Life Term Life

Product Name Face Amount

Riders and Details

SECTION V - About Existing or Applied for Insurance

Proposed Insured has existing/applied for insurance? Yes No

Owner has existing/applied for insurance? Yes No

SECTION VI - About Payment Information

Premium Payor: Proposed Insured Owner Other

Other Premium Payor Name Social Security or Tax ID Number Relationship

Payment Mode: Annual Semi-Annual Quarterly Monthly Draft

Bank Routing Number Bank Account Number

SECTION VII - General Risk Questions

1. Aviation activity? Yes No

2. Avocation risk activities? Yes No

3. Travel/reside outside U.S. or Canada? Yes No

4. Tobacco/nicotine use ever? Yes No

5. Driver's license suspended/revoked or DUI/DWI? Yes No

6. Insurance declined/postponed/rated? Yes No

7. Felony conviction? Yes No

8. Actively at work? Yes No

SECTION VIII - Personal Physician

Physician Name Practice/Clinic

Street Address City State Zip

Phone Number Date Last Consulted Reason Findings/Treatment

SECTION IX - Additional Information

Agreement / Disclosure

I have read this application for life insurance including any amendments and supplements and agree to the statements provided.

Taxpayer Identification Number Certification

Taxpayer Identification Number

Signatures

Signature(s) of all Proposed Insured(s)

Date

Signed at City, State

Signature(s) of all Owner(s)

Date

Signed at City, State

Signature of Parent or Guardian

Date

Signed at City, State

Witness to Signatures

Licensed Producer / Print Name of Producer

New York Illustration Certification

Case/Policy number

Insured First Name Middle Name Last Name

Insured's gender Male Female Unisex Age

Was a sales illustration provided? Yes No

If no sales illustration, choose one of the following:

Financial professional certifies that a signed illustration is not required.

No illustration conforming to the policy as applied for was shown or provided.

Authorization

Company

Proposed Insured Name

Date of Birth

HIV Consent Form

Physician Name

Address

If a physician is not named above, please contact me

Producer Identification & Certification

Purpose of insurance (check all that apply): Estate Planning Business Needs Mortgage Protection Key Person

Method used to arrive at Face Amount Recommendation:

Is this insurance a replacement? Yes No

Have documents been delivered?

Producer Name Sales Office/Agency Number

Riders With No Premium or Cost of Insurance Charge Supplement

Acceleration of Death Benefit Rider

Acceleration of Death Benefit Due to Chronic Illness Rider

I do not want to apply for any rider listed above.

Signature of Proposed Insured Date Signed at City, State

Definition of Replacement - Department of Financial Services of the State of New York

Company: Metropolitan Life Insurance Company New England Life Insurance Company First MetLife Investors Insurance Company

Any existing coverage likely to be lapsed, surrendered, modified, reissued, assigned as collateral, or continued with reduced premium? Yes No

Signature of applicant Date

Second applicant signature Date

Agent or broker signature Date

Authorization to Obtain and Disclose Information

Name of Proposed Insured

Date of Birth Producer Name

Signature of Proposed Insured or Legal Representative

Date

Witness / Minor Child Signature

Date

Medical Supplement

Proposed Insured First Name Middle Name Last Name

Height Weight

Any health conditions (high blood pressure, heart disease, diabetes, cancer, etc.)? Yes No

Other illness/injury or treatment in past five years? Yes No

Currently receiving treatment or taking medications? Yes No

Scheduled surgery/tests/visits in next six months? Yes No

AIDS diagnosed or treated? Yes No

Additional Medical / Family History Details

Applicant Signature

Date

City, State

Producer Signature

Date

City, State

Enter text✕

What the Life Insurance Application Form Is and When It’s Used

A Life Insurance Application Form collects the applicant's identity, health history, coverage selection, beneficiary designation, and payment authorization to establish a life insurance policy. Carriers use the form to assess risk, order medical exams, and determine underwriting terms. The document typically includes consent for medical records, authorizations for third-party data, signature blocks for the applicant and agent, and disclosure statements that affect insurability and contestability periods.

Why a Complete, Accurate Application Matters

A correctly completed application speeds underwriting, reduces the chance of benefit disputes, and supports accurate premium pricing. Clear disclosures and consistent information reduce rescission risk and help carriers meet regulatory obligations.

Why a Complete, Accurate Application Matters

Who Typically Prepares and Signs This Form

Roles vary by carrier: some insurers permit online self-completion while others require an agent-facilitated process for distributor compliance and identity verification.

  • Insurance applicants providing personal and health details for underwriting.
  • Licensed insurance agents or producers who collect signatures and verify identity.
  • Underwriting teams that review risk, order exams, and approve coverage.

Representative Signers and Their Responsibilities

Applicant — Policyowner

The individual seeking coverage must provide truthful answers to identity and health questions, sign the application, and authorize record releases. Inaccurate or omitted information can lead to claim denial or policy rescission.

Agent — Licensed Producer

The agent verifies applicant identity, explains disclosures, collects signatures, and submits the application to the carrier. Agents must follow producer licensing rules and document any notes about applicant statements.

Core Sections Found in a Professional Application

A standard life insurance application groups data into clearly labeled sections so underwriters can quickly assess eligibility and exposures.

Applicant Details

Full legal name, date of birth, address, Social Security number, driver’s license or ID — used for identity verification and background checks.

Coverage Selection

Requested policy type, coverage amount, term or permanent option, riders, and desired effective date; this defines the insurer's exposure if accepted.

Health & Activities

Medical history, current conditions, medications, tobacco use, and high-risk activities; answers guide underwriting classification and may trigger exams.

Beneficiary Designation

Primary and contingent beneficiaries with relationship and percentage allocations; accurate beneficiary data prevents payment disputes at claim time.

Premium & Payment

Premium mode, payment method, and bank or card details when authorizing initial payment or setting up automatic billing.

Authorizations & Disclosures

Consent to obtain medical records, MIB/APS searches, fraud warnings, and signature blocks for applicant and agent acknowledgment.

Step-by-Step: Completing a Typical Application

Follow these core steps to complete and submit a life insurance application accurately and efficiently.

  • 01
    Prepare Documents: Gather ID, SSN, medical history, and beneficiary information.
  • 02
    Answer Health Questions: Provide accurate medical and lifestyle details; disclose medications and diagnoses.
  • 03
    Authorize Records: Sign authorizations for medical and MIB searches when requested.
  • 04
    Submit and Track: Send to the carrier and monitor underwriting requests for exams or clarifications.

Typical Submission and Underwriting Flow

A clear routing process minimizes delays and keeps all parties informed during application processing.

  • Submit Application: Agent or applicant uploads completed form to insurer.
  • Underwriter Review: Underwriting assesses risk and requests further evidence.
  • Medical Exams: Paramed exam or records requested when required.
  • Policy Decision: Accept, rate, defer, or decline; policy issued on acceptance.

Digital Filing, Formats, and Integrations

Choose platforms that provide an audit trail, encryption in transit and at rest, and the ability to export signed documents in standard formats for regulatory retention.

  • File Formats: PDF | DOCX supported
  • Integrations: Salesforce, NetSuite, Microsoft 365, Google Workspace
  • Authentication: Email, SMS, or advanced signer verification

Required Personal and Sensitive Data Elements

Full Name: Exact legal name
Date of Birth: MM/DD/YYYY
Social Security: SSN for identification
Medical History: Conditions and meds
Beneficiary Details: Name, relation, percent
Signature: Signed and dated

Common Errors to Avoid

  • Leaving health questions partially blank creates underwriting delays and possible request for supplemental information.
  • Using nicknames or abbreviated names that do not match ID can cause identity verification failures.
  • Failing to list contingent beneficiaries may result in unintended intestacy or delayed claim payouts.
  • Not signing or dating the authorization sections can prevent carriers from obtaining medical records, delaying decisions.

Consequences of Inaccurate or Omitted Information

Rescission: Policy may be rescinded
Claim Denial: Death benefit refusal risk
Premium Change: Higher rated premium
Processing Delay: Underwriting delay
Tax Issues: Reporting complications
Fraud Allegations: Legal exposure

Typical Timelines and Processing Expectations

Processing times vary by carrier and complexity; applicants should expect variable response windows for underwriting steps.

Initial Acknowledgement:

7–14 days

Underwriting Decision:

2–8 weeks

Medical Exam Scheduling:

1–3 weeks

Policy Issuance:

Immediate to 30 days

Appeals or Reconsideration:

Varies; often 30–90 days

eSignature Vendor Pricing and Core Capability Comparison

Comparison of entry pricing and a few capability markers across major eSignature vendors; signNow appears first per platform ordering rules.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial No No Yes, limited Yes, limited
Bulk Send Yes Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No

Real-World Examples of Digital Application Workflows

These concise customer examples illustrate how organizations collect signatures and process applications electronically.

Optica Ventures — COO

The interface is simple and easy-to-use for our team; more importantly, it is just as easy for our customers.

  • Rapid distribution across clients reduced turnaround times.
  • The streamlined process allowed remote applicants to complete forms securely without in-person meetings, improving completion rates.

Fertility Centers of Illinois — Founder

airSlate SignNow team has been exceptional and the API has been great.

  • Integration with existing systems automated routing and storage.
  • This reduced manual filing and ensured signed records were retained in compliance with internal and regulatory requirements.

Frequently Asked Questions About the Application Process

Answers to common concerns about signatures, notarization, medical authorizations, and how electronic processes map to legal requirements.


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