At what time may a signed good health statement be requested by a life producer?

A signed good health statement may be requested at the time of policy delivery because it serves as a confirmation that the applicant is still in good health before the insurance coverage officially begins. This is important because the risk to the insurer can change from the time of application to the time the policy is delivered. By obtaining this statement just before the policy is activated, the insurer can ensure that the assurances made during the application process remain valid.

This request prior to policy delivery helps protect the insurer from potential claims arising from a change in the applicant's health that could occur after the application was completed but before the policy was issued. It is a critical step in the underwriting process, ensuring both parties are clear and compliant with health status disclosures for the most accurate risk assessment.