A life insurance application must be signed by all of the following except?

In a life insurance application, the necessity of signatures varies depending on the role of the individuals involved. The policyowner, agent, and the insured (if an adult) are all required to sign the application to affirm their consent and understanding of the terms being proposed.

The policyowner signs to indicate their agreement to the terms of the policy and to assume ownership. The agent’s signature denotes that they have accurately represented the application and assisted the policyowner in the application process. If the insured is an adult, their signature is often required as they are agreeing to the life insurance arrangements concerning their life.

However, the beneficiary does not need to sign the application. The beneficiary is the individual or entity designated to receive the death benefit upon the death of the insured, but they are not involved in the application process itself. Their consent or signature is not required at this stage, as they have no control over the policy's terms or the acceptability of the applicant. This distinction clarifies why the beneficiary is the correct choice here.