A life insurance application is part of the underwriting process and must be properly completed to serve as a reliable record of the applicant’s identity, intent, and representations. Virginia’s exam content outline emphasizes application procedures, required signatures, changes in the application, and the consequences of incomplete applications—reflecting that completeness and proper execution are essential in Virginia licensing standards. Virginia law also prohibits an agent from signing or allowing an applicant/insured to sign an incomplete or blank form pertaining to insurance, reinforcing the requirement that the application be complete when executed.

Items like the applicant’s name and address, the applicant’s signature, and the date of application are fundamental to a complete application because they identify who is applying, confirm assent, and establish the timing of the representations and submission. In contrast, a date of maturity is not a standard required element of a life insurance application. “Maturity” is a concept tied to policy terms (e.g., endowment maturity or certain contract durations), not a universal application field required for submission. Therefore, among the listed items, “date of maturity” is the exception.