Unsolicited Application


  • An insurance application made by an individual instead of by an insurance broker or agent. Insurance companies scrutinize unsolicited applications more heavily than applications made by insurance agents or brokers due to probability of self-selection bias. Those applying for insurance unsolicited have a higher chance of concealing suspected or known medical conditions and pose a higher risk for the insurer.

unsolicited insurance application

Related Terms and Acronyms

  • Selection Bias Definition,
    • A statistical error made when non-random data is added into a dataset.
  • Self-Selection Bias Definition,
    • A selection bias that occurs when individuals join a sample group voluntarily.
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