The Disclosure Authorization Form required by the Insurance Information and Privacy Protection Act remains valid from the date signed for Property or Casualty insurance applications for how long?

• A. 6 months
• B. 12 months
• C. 18 months
• D. 24 months

Answer: (B)

The Disclosure Authorization Form for property or casualty applications remains valid for twelve months from the date it is signed. This window gives underwriters enough time to gather needed information while protecting the applicant’s privacy by not allowing perpetual access to personal data. After a year, a new authorization would be needed if continued information gathering is necessary. Shorter durations (like six months) can hinder underwriting, while longer ones (eighteen or twenty-four months) unnecessarily extend consent and privacy exposure.