What typically happens to an incomplete insurance application?

An incomplete insurance application is typically returned to the applicant for the necessary information to be provided before it can proceed through the underwriting process. Insurance companies require comprehensive and accurate information to assess risk and provide coverage appropriately. When an application lacks required details or has unanswered questions, it does not meet the underwriting standards set by the insurer. Thus, returning the application allows the applicant the opportunity to complete it and ensure that all relevant information is included for accurate processing.

The other options do not reflect standard industry practice. Immediate approval would be inappropriate because an incomplete application lacks critical data for the decision-making process. Forwarding for review or placing in queued processing would imply that the application is being handled further without necessary information, which is not how insurers typically manage incomplete applications.