Which of the following signatures is not required on an individual insurance application?

In an individual insurance application, the requirement for signatures typically includes those of the applicant and the agent who is facilitating the application process. The applicant's signature is essential as it indicates their consent and agreement to the terms of the policy being applied for, while the agent’s signature is important as it verifies that the agent has helped complete the application and has provided the necessary information to the applicant.

The signature of the insurer is not required on the application itself. The insurer’s endorsement and agreement usually occur after the underwriting process, when the policy is issued. The role of the insurer comes into play after the application has been submitted and reviewed, at which point they may accept or deny coverage based on the information provided.

Witness signatures may be required for certain legal documents, but they are generally not mandatory on standard individual insurance applications. Thus, the absence of the insurer's signature distinguishes it from the other required signatures. This understanding reflects the standard endorsement practices found in many insurance applications, emphasizing the procedural role of each party involved.