The contract for the life insurance starts with the proposal made by the proposer in standard application form available with insurance company and then various other documents are prepared.

The proposal form is a standardized form. The proposal form is a type of an application form, which a proposer has to fill all the relevant details about the life to be assured. The agent has the proposal form with him provided by the insurer. There are different types of policies and so the different types of proposal forms are there. It has the entire details regarding the duration of the policy, type of life plan, mode of payment, life cover, etc. A proposal form is to be to be completed by the proposer in his own handwriting and signed in the presence of the agent. The proposal form contains a declaration at the end, to ensure the authenticity of the information given.

Usually the proposal form contains the following information to be filled by the prospective insured:

1. Name of life assured

2. Address

3. Date of Birth

4. Occupation

5. Age

6. Name of the employer (if any)

7. Sum assured of the proposed policy

8. Number and age of the family members

9. Family medical history

10. Proposer’s Medical history

Besides these there are other related forms regarding health, occupation, the agent’s confidential report and many others. In addition there is a consent letter which shows the consent of the life assured to the imposition of some clause or extra premium, duly signed by the life assured.