When may a signed good health statement be requested by a life producer?

A signed good health statement is typically requested at the time of policy delivery. This request occurs because it allows the insurer to confirm that the applicant is still in good health before the policy becomes active. When a policy is delivered, the insurer wants to ensure that there have been no significant changes in the applicant's health status that could affect the risk they are insuring.

At the time of application, the individual providing the application may not have an accurate representation of their current health, as health can change rapidly. Requesting the statement at renewal doesn't align with the purpose of ensuring ongoing risk assessment, while requesting it at the time of claim submission is too late, as the health risks would already have been evaluated at the inception of the policy.

Therefore, the timing of the request for a signed good health statement at the time of policy delivery is crucial for underwriting and risk management for the insurer.