Which of the following does not require any form of insurance application?

Policy renewals after the initial application do not require any form of insurance application because the renewal process typically involves continuing coverage under the same terms and conditions as initially established, assuming the insured remains eligible and meets the renewal qualifications. The insurer and insured initially agree on the terms of the policy, and as long as the policyholder pays the premium and complies with the policy requirements, the insurer will automatically renew the insurance without necessitating a new application.

In contrast, new insurance coverage applications require a full assessment of risk by the insurer since they are evaluating the applicant’s current insurance needs and health status. Secondary beneficiary applications and changes in former applicants' statuses also involve some degree of assessment, documentation, or information exchange that qualifies as an application process, albeit may be less comprehensive than a new application.