What is the principal source of information about an applicant's identity, age, and marital status?

The completed application is the principal source of information regarding an applicant's identity, age, and marital status for a life insurance policy. This document gathers comprehensive details directly from the applicant, including personal information that is crucial for underwriting. The application form is designed to collect standardized information in a structured manner, making it the most reliable source for these fundamental attributes.

While agents may provide verbal confirmation or past records might offer insights, they are not as authoritative or comprehensive as the information provided directly by the applicant on the application. Additionally, medical examinations primarily focus on health information rather than identity, age, or marital status. Therefore, the completed application stands out as the primary and most critical source in the underwriting process for such personal details.