An omission, in the context of amendments, would most likely be which of the following?

An omission, in the context of amendments, would most likely be which of the following?

• A. Missing beneficiary designation
• B. Incorrect spelling of the insured's name
• C. Incorrect premium amount
• D. New rider added

Answer: (A)

An omission means something that should be included in the policy or amendment is left out. A missing beneficiary designation fits this, because the designation is a critical element of how policy proceeds will be paid, and leaving it out means the document is incomplete or unclear about who should receive benefits. The other issues are not omissions: a name that’s spelled incorrectly is a clerical error where the information exists but is wrong; it’s a misstatement rather than something omitted. An incorrect premium amount is a pricing or financial error, not an omission of what should be in the amendment. Adding a new rider is an addition, not something left out.

An omission means something that should be included in the policy or amendment is left out. A missing beneficiary designation fits this, because the designation is a critical element of how policy proceeds will be paid, and leaving it out means the document is incomplete or unclear about who should receive benefits.

The other issues are not omissions: a name that’s spelled incorrectly is a clerical error where the information exists but is wrong; it’s a misstatement rather than something omitted. An incorrect premium amount is a pricing or financial error, not an omission of what should be in the amendment. Adding a new rider is an addition, not something left out.