Signatures for an insurance application MUST be obtained by the producer from all of the following sources EXCEPT?

In life insurance applications, signatures are typically required to ensure that all parties involved in the policy are aware of and agree to the terms of the insurance contract. The producer, the insured, and the policyowner are all parties that must sign the application. Their signatures confirm the importance of consent and acknowledgment of the information provided in the application.

However, the beneficiary is not required to sign the application. The beneficiary is merely the person who will receive the benefits upon the death of the insured. Since the beneficiary does not have any obligations regarding the terms of the policy or the underwriting process, their signature is not necessary. This distinction is crucial because the beneficiary's rights and duties are established once the policy is effective, and their agreement or acknowledgment is not required prior to the issuance of the policy. Hence, signatures from the beneficiary are not mandated in the application process, making this the correct answer.