Do a irrevocable beneficiary have to sign the application?

Yes, an irrevocable beneficiary typically must sign the application for a life insurance policy or any other financial product that designates them as such. This requirement ensures that the irrevocable beneficiary acknowledges their rights to the policy and understands that their consent is necessary for any changes to the policy, including beneficiary designations or policy loans. Without their signature, the insurer may not accept the application or honor the irrevocable status.