Which of these actions should a producer take when submitting an insurance application to an insurer?

The correct action for a producer when submitting an insurance application to an insurer is to inform the insurer of relevant information not included on the application. This duty emphasizes the importance of full disclosure in the underwriting process, as insurers rely on accurate and complete information to assess risk and determine coverage terms.

When producers provide relevant information that may not be documented in the application, they support the insurer’s ability to make informed decisions. This can include any pertinent details that could influence the premium or policy conditions, thereby fostering transparency and trust between the producer and the insurer.

Ensuring the applicant signs the application is a standard procedure, but it is not as crucial as communicating all relevant details to the insurer. Additionally, directly submitting the application to the underwriter is typically not the producer's role; they usually send it through established administrative channels. Providing a summary of the applicant's medical history, while potentially helpful, may not encompass all relevant non-medical information that could impact underwriting decisions. Thus, the focus should be on communicating any pertinent information that hasn't been captured in the application itself.