The policy should not be given to the applicant until all delivery requirements have been met. We provide instructions on all delivery requirements in the delivery letter sent to the you with the policy.

Do not deliver the policy under the following circumstances:

• If there is a change in the health of the proposed insured
• Without full payment of the first premium
• Without all papers required to put the policy in force completed and signed by the applicant
• If the delivery deadline is past

Generally, if an application was submitted with the initial premium and the proposed insured has had a change in health, the policy will be returned to the agent for delivery after we confirm that there were no misstatements on the application or examination. For applications submitted on a COD basis, we will attempt to make an offer after considering the new information.