What is usually required from an applicant to enforce a life insurance policy application?

To enforce a life insurance policy application, the initial premium payment is typically required. This payment signifies the applicant's commitment to the policy and activates the coverage. Insurance companies generally consider the initial premium as a critical step in completing the application process. Once the premium is received, the insurance provider often issues a temporary coverage period until the application is processed and the policy becomes effective.

In many cases, verification of insurability may be part of the underwriting process, and a medical examination could be requested for certain applicants, especially for higher coverage amounts or specific age groups. However, these components are part of the underwriting and assessment stages and do not guarantee the policy's enforcement until the initial payment is made. Policy documents are issued only after the application is accepted and the premium is paid, completing the process of obtaining the life insurance policy.