An application is defined as

• A. A claims form
• B. An application
• C. A rider
• D. A premium quote

Answer: (B)

In underwriting, an application is the request for insurance—the form the applicant fills out to provide information the insurer needs to evaluate risk and decide whether to issue a policy and at what price. It collects details about the insured, the risk, and the coverage requested, and it is the starting point for the underwriting process. It is not a claims form (used after a loss), not a rider (an endorsement to modify coverage), and not a premium quote (an estimate of cost). That’s why this option, which defines the application as the request for insurance, is the correct choice.