When a policy is issued, the copy of the application is stapled in the back of the policy.

• A. A stapled in the back of the policy
• B. It is destroyed after issuance
• C. Kept as a separate file
• D. Mailed to the insured

Answer: (A)

The practice is to staple the copy of the application to the back of the policy so the policy and the applicant’s information stay together as one complete file. This makes it easy to reference all the details if questions come up during underwriting, claims, or audits, and it helps ensure the policy reflects exactly what was applied for. Keeping the application attached reduces the risk of misplacing information or having the policy and application get separated, which could lead to inconsistencies. Destroying the application after issuance would lose important background and verification data; keeping it in a separate file or mailing it away would increase the chance that the records don’t stay aligned with the issued policy.