Policy delivery is the process of transmitting an issued life insurance contract from the carrier to the policy owner, typically through the writing agent or broker, and obtaining any required signatures, payments and confirmations needed to place the policy in force. Delivery may be physical, with paper policies, or electronic, using secure e-delivery platforms and e-signatures. During policy delivery, the producer reviews key policy features, verifies that the issued terms match expectations, secures signatures on delivery receipts, acceptance forms, amendments and statements of good health if required, and collects any outstanding premium or documents. Carriers often impose a time limit within which policy delivery and placement must be completed, otherwise the offer may expire or new underwriting may be needed. Proper policy delivery is essential for ensuring that coverage actually becomes effective and that contractual and regulatory requirements around acceptance, disclosure and replacement are satisfied.

In daily operations, policy delivery is a critical step managed by agents, BGAs and carrier new-business and policy-issue teams. Once a policy is approved and printed or e-issued, case managers notify the advisor and send the contract along with a list of outstanding requirements needed for placement. Advisors schedule delivery meetings or remote sessions with clients to explain coverage, answer questions and walk through documents. For replacements or 1035 exchanges, specific delivery and disclosure procedures must be followed to stay compliant with state regulations and company rules. Operations staff track delivery dates, signed forms and initial premiums to ensure timely placement and to avoid policies remaining in "issued, not placed" status. Good policy delivery practices also include confirming that the client received a complete contract, understands key obligations and knows how to contact the carrier or advisor for future service. Effective delivery helps reinforce trust, reduce early lapses and establish a strong service relationship from the start of coverage.