Who must initiate changes to an insurance policy, and in what form?

• A. The insured, in writing
• B. The insurer, in writing
• C. The insurer, orally
• D. The insured, orally

Answer: (B)

Changes to an insurance policy are made by the insurer and must be in writing through an endorsement attached to the policy. While the insured can request changes, the binding alterations to terms, coverage, or premium aren’t effective until the insurer issues a written endorsement. This written form provides a clear, enforceable record of the modification and becomes part of the policy once issued and delivered. Oral changes aren’t binding, and unilateral changes by the insured aren’t allowed, so the insurer is the one who initiates and documents the change.