The Disclosure Authorization Form validity period applies to which type of insurance application?

The Disclosure Authorization Form validity period applies to which type of insurance application?

• A. Life Insurance
• B. Health Insurance
• C. Auto Insurance
• D. Property or Casualty

Answer: (D)

The key idea is that a Disclosure Authorization Form is about the driver's license to obtain and review an applicant’s information for underwriting, and the period of that consent matters for how long the insurer can rely on it. In many North Carolina exam materials, the validity period for this form is tied specifically to property or casualty insurance applications. This means the authorization remains in effect for the underwriting window of P&C coverage; if the application process takes longer or a new decision is needed after the period ends, a new authorization would be required. Life and health underwriting typically involve different forms and rules, so the form’s stated validity period shown in these questions is not intended to apply to those lines. Therefore, the authorization’s validity period applies to property or casualty insurance applications.

The key idea is that a Disclosure Authorization Form is about the driver's license to obtain and review an applicant’s information for underwriting, and the period of that consent matters for how long the insurer can rely on it. In many North Carolina exam materials, the validity period for this form is tied specifically to property or casualty insurance applications. This means the authorization remains in effect for the underwriting window of P&C coverage; if the application process takes longer or a new decision is needed after the period ends, a new authorization would be required. Life and health underwriting typically involve different forms and rules, so the form’s stated validity period shown in these questions is not intended to apply to those lines. Therefore, the authorization’s validity period applies to property or casualty insurance applications.