In Pennsylvania insurance practice, an application must be complete before underwriting can occur. If an application is submitted with missing or incomplete information, it isreturned to the submitting producer for completion. Pennsylvania-approved insurance study materials emphasize that underwriting decisions must be based on full disclosure and accurate data.

An incomplete application cannot be automatically rated or declined because doing so would violate fair underwriting standards. There is also no statutory requirement to automatically decline an application after a specific period due to incompleteness. The responsibility lies with the producer to obtain the missing information from the applicant and resubmit the application. Therefore, returning the application for completion is the only compliant and verified procedure.