Which of the following is NOT true about life insurance applications?

Life insurance applications play a crucial role in the underwriting process, and several aspects are fundamental to their function. The assertion that life insurance applications can determine insurability without any additional information is not accurate.

In practice, while applications do gather essential data about the applicant's health, lifestyle, and personal information, underwriters typically require further examination before making an insurability decision. This extra information can include medical records, blood tests, and other assessments that provide a complete picture of the applicant’s risk profile. An underwriter’s job is to assess risk effectively, and relying solely on the application itself without additional information would not provide a sufficient basis for a thorough risk assessment.

The other aspects of life insurance applications are indeed true: they do contain personal health information, they are confidential communications, and they include both general and health history information, all of which contribute to the underwriting decision-making process and help protect the privacy of the applicant.