Which of the following has primary responsibility for ensuring that the application is filled out completely?

The primary responsibility for ensuring that the application is filled out completely falls on the producer. The producer, often referred to as an insurance agent or broker, is the individual who works directly with the applicant to gather information necessary for the insurance application. This includes asking pertinent questions, guiding the applicant through the application process, and ensuring that all sections of the application are completed accurately and thoroughly.

This role is critical because a complete application is essential for underwriting purposes, allowing the insurer to assess risk accurately and determine appropriate coverage and pricing. If the application is incomplete, it could lead to delays in the underwriting process or result in the denial of coverage.

While the home office underwriter reviews the application and assesses the risk, their primary role is not filling it out but rather evaluating the information provided. The insurer oversees the overall process but relies on the producer to ensure that all necessary details are collected upfront. Actuaries, on the other hand, focus more on the mathematical modeling and statistical analysis behind insurance products and are not directly involved in the application process.