This Application Is For Term 10, Term 20, Term 100 And Universal Life Insurance, And Available Benefits And Riders

Use a This Application Is For Term 10, Term 20, Term 100 And Universal Life Insurance, And Available Benefits And Riders 2016 template to make your document workflow more streamlined.

What this insurance application covers

This application collects the information needed to request term 10, term 20, term 100, or universal life insurance and select available benefits and riders. Applicants provide personal details, coverage preferences, beneficiary instructions, health history, financial information, and authorizations requested by the insurer. The exact premium, underwriting decision, policy terms, and rider availability come from the issuing insurance carrier, not signNow. signNow can convert the carrier’s document into a fillable workflow, route it to designated signers, capture electronic signatures, and preserve the completed record with an audit trail.

Who uses this application

Insurance agents use the application to collect coverage selections, beneficiary instructions, health disclosures, and rider elections before submitting a client’s request to the carrier. A reusable signNow template can preserve the carrier’s field layout while allowing each applicant’s information and signature routing to change safely.
Applicants and policy owners complete the form remotely when an in-person appointment is impractical. They can review term or universal-life choices, provide medical and financial information, identify beneficiaries, and sign from a desktop or mobile device while the agent tracks completion through the audit trail.

How the application workflow works

The signNow workflow turns the carrier’s insurance application into a controlled sequence from upload through signed-record storage.

Upload document: Upload the carrier’s insurance application PDF.
Add fields: Auto-detect or place coverage and beneficiary fields.
Send application: Route the application to the applicant and agent.
Complete record: Capture signatures and store the audit trail.

Authenticate signer:

Records the signer’s email, authentication method, or verification event.

Record timestamps:

Captures the date and time of each application action.

Hash document:

Preserves the signed document’s file integrity evidence.

Seal document:

Applies tamper-evident completion evidence to the record.

Track actions:

Logs field completion, signature, viewing, and delivery actions.

Export audit trail:

Allows authorized users to retrieve or export completion evidence.

Setting	Recommendation
Authentication method	Email link with SMS verification
Signature type	Typed or drawn electronic signature
Audit trail	Enable completion history and export
Document retention	Follow the carrier’s written retention policy
Encryption	AES-256 storage with TLS 1.2/1.3

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Security for insurance records

Stored data:

AES-256 at rest

Data transfer:

TLS 1.2/1.3 in transit

Service assurance:

SOC 2 Type II certified

Security management:

ISO 27001 certified

Health information:

HIPAA compliant with BAA

Electronic signatures:

ESIGN and UETA compliant

Coverage choices

Applicants can complete term 10, term 20, term 100, or universal life selections in the carrier’s original document while preserving the form’s structure and required disclosures.

Beneficiary details

Beneficiary names, percentages, and contingent designations can be assigned as explicit fields rather than relying on handwritten amendments or unclear attachments.

Controlled routing

Health history, financial information, and authorizations can be routed to the appropriate signer without circulating paper copies between applicant and agent.

Audit trail

signNow records viewing, field completion, signing, and delivery events, creating a technical history for the completed insurance application.

Mobile completion

Mobile apps and browser workflows allow applicants to review and sign the application away from an agency office when the carrier permits electronic completion.

Reusable templates

Templates preserve recurring carrier layouts, reducing repeated field placement for agents who process multiple applications with the same coverage and rider structure.

Find and fill out the correct this application is for term 10 term 20 term 100 and universal life insurance and available benefits and riders

airSlate SignNow helps you fill in and sign documents in minutes, error-free. Choose the correct version of the editable PDF form from the list and get started filling it out.

Versions	Form popularity	Fillable & printable
*2009 RBC Insurance 80788 [2009-10] 2016	4.8 Satisfied (1882 Votes)
*2009 RBC Insurance 80788 [2009-10] 2009	4.8 Satisfied (9155 Votes)

Integrations for insurance workflows

Connect the insurance application workflow with Salesforce, Microsoft Dynamics 365, NetSuite, Google Drive, Box, or Microsoft 365 to coordinate applicant records and completed documents.

Application challenges to address

Applicants may overlook optional riders, leaving disability, accelerated-benefit, or waiver provisions incomplete or inconsistent with requested coverage.
Beneficiary details can become unclear when multiple beneficiaries, percentages, contingent beneficiaries, or trust arrangements require precise allocation.
Health history answers may omit dates, diagnoses, medications, or providers, creating underwriting follow-up and delaying policy review.
Coverage selections for term, whole-life, or universal-life products can conflict with stated financial objectives, affordability, or requested benefit periods.

Platform requirements for the application

Complete the insurance application in Chrome, Firefox, Safari, or Edge on Windows 10, Windows 11, or macOS. Mobile completion works through Safari on iOS or Chrome on Android over TLS 1.2 or TLS 1.3.

Desktop browsers Chrome, Firefox, Safari, and Edge on Windows 10, Windows 11, and macOS
Mobile browsers Safari on iOS and Chrome on Android for mobile completion
Connection security TLS 1.2 or 1.3 connection with JavaScript enabled

Use a supported browser with JavaScript enabled and a stable TLS connection before entering health, beneficiary, coverage, or rider information. Organizations should also confirm that managed Windows, macOS, iOS, and Android devices permit document downloads, signer notifications, and access to completed application records.

Prepare application

Upload the insurer’s application and confirm coverage, beneficiary, health, and rider fields.

Send to signers

Assign applicant, agent, and any required witness or reviewer roles.

Collect signatures

Applicants review disclosures, complete required fields, and sign electronically.

Archive completion

Download the completed application and preserve its audit trail.

Best practices for this application

Accurate field mapping, controlled access, documented consent, and secure archival reduce rework when processing this insurance application.

Validate every carrier field

Use the carrier’s current application version and compare every field after upload. Confirm that term length, face amount, beneficiary percentages, rider elections, health questions, and required disclosures remain present and accurately mapped before sending.

Route sensitive sections carefully

Separate applicant, owner, beneficiary, agent, and medical-information permissions when configuring the document. Require only the people designated by the carrier to view or complete sensitive health and financial sections.

Capture electronic consent

Give applicants a clear electronic-record disclosure before signing when the transaction is consumer-facing. Preserve evidence that the applicant could access the electronic application and understand how to request paper records.

Archive the signed application

Download the completed application and audit trail after signing, then store them under the insurer’s written retention policy. Restrict access because the record may contain health, financial, and beneficiary information.

Risks requiring review

State rules

State-law mismatch

Carrier acceptance

Carrier rejects electronic signing

Underwriting delay

Incomplete health disclosures

Allocation dispute

Unclear beneficiary percentages

Insurance application troubleshooting

These answers address field detection, consent, identity, signature acceptance, and record preservation for this life insurance application.

Upload the carrier’s original PDF again and check whether fields are flattened, password-protected, or image-only. signNow can detect fillable fields, but an agent may need to place fields manually when the carrier document lacks usable form controls.

Review the signer order and required fields in the signNow document. The Business plan includes templates and audit trails; use the routing settings to ensure the applicant, agent, and any additional signer receive the correct sections before sending.

For consumer-facing electronic records, provide the ESIGN Act disclosure, explain the right to receive paper records, confirm electronic access, and explain withdrawal procedures under 15 U.S.C. §7001(c). The carrier may impose additional consent requirements.

A typed, drawn, or click-to-sign signature can support the application when intent, attribution, consent, and record retention are established under ESIGN and applicable state law. Confirm the carrier accepts electronic signatures for this insurance product and state transaction.

Use SMS or another available authentication control when the carrier requires stronger identity evidence. signNow’s Enterprise plan adds advanced signer authentication, while HIPAA workflows require a business associate agreement when protected health information is involved.

Export the completed application and its audit trail after every signing event. The audit trail records actions, timestamps, and signer activity, helping demonstrate document history; retain the record according to the carrier’s policy and applicable state insurance requirements.

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