Signatures for an insurance application MUST be obtained by the producer from all of the following sources EXCEPT:

In the context of health insurance applications, signatures are typically required from all parties who have an interest in the policy. This includes the applicant, who is usually the individual applying for the insurance, and any co-applicants, who might be joining in the application process. The insured, who is the person covered by the policy, also needs to provide their signature to acknowledge the coverage and the terms outlined in the application.

However, the beneficiary, while an important party in the insurance process, does not need to sign the application. The beneficiary is simply the individual or entity designated to receive the benefit of a policy when a claim is made, but they do not have a direct role in the application process itself. Thus, it is not legally required to obtain their signature for the application to be valid.