What is required for a policy modification to be considered valid?

For a policy modification to be considered valid, it typically requires written authorization from a company officer. This means that any changes made to an insurance policy must be officially documented and approved at a higher level within the insurance company. Having a company officer's written authorization ensures that the modification has been reviewed and sanctioned according to the company's policies and regulations.

This is crucial because it helps maintain the integrity of the insurance contract and ensures that both the insurance company and the policyholder are aware of and agree to the changes being made. Written confirmation from a company officer provides an additional layer of protection against unauthorized modifications, which could otherwise lead to disputes or misunderstandings between the insurer and the policyholder.

In contrast, other options, such as verbal consent or a witness signature, may not provide the same level of security or legitimacy that written authorization from an authorized person within the company would. Without the proper official approval, modifications might not hold up legally or operationally.