Application Part 1 is the non-medical section of a traditional life insurance application that collects personal, financial, and coverage information about the proposed insured and policyowner. It typically includes demographics, contact details, policy type and face amount, beneficiary designations, ownership structure, purpose of insurance, and financial suitability details such as income, net worth, and existing coverage. Part 1 may also capture important disclosures about foreign travel, avocations, and replacement intentions. Carriers use this information to establish identity, assess financial justification, and initiate underwriting.

Advisors complete Application Part 1 with clients during fact-finding and proposal meetings, increasingly through e-app platforms that guide required fields. Accuracy in Part 1 reduces new-business delays and flags potential issues early, such as ownership misunderstandings or replacement concerns. Compliance reviews Part 1 for suitability and anti-money laundering checks. Advisors often use the Part 1 conversation to reinforce planning goals and to ensure that requested coverage aligns with the clientTMs financial situation. Understanding Application Part 1 helps advisors gather complete, consistent information that supports a smooth underwriting and approval process.