What should an agent do when a customer wants to apply for an insurance policy?

When a customer wants to apply for an insurance policy, the agent's role includes ensuring that the application is complete and accurate before submission. Completing the application and reviewing it allows the agent to verify that all necessary information has been provided and that there are no errors or omissions that could delay the application process or lead to complications later on in underwriting.

This practice establishes a clearer understanding between the agent and the customer regarding the terms of coverage being applied for and helps to set proper expectations about the insurance process. By reviewing the application, the agent also has the opportunity to clarify any ambiguities the customer may have, strengthening the customer-agent relationship and enhancing customer trust.

In contrast, sending the application without review could lead to mistakes that necessitate resubmission, causing delays and frustration for the customer. Providing discounts or requesting additional fees does not address the critical need for accuracy and thoroughness in the application process and misaligns with standard ethical practices within the insurance industry.