ACORD 88: Personal Insurance Application (Applicant Information Section)
ACORD 88 is the Personal Insurance Application Applicant Information Section. It provides shared applicant information for a submission that uses separate personal insurance sections.
What it is
ACORD 88 is the Personal Insurance Application Applicant Information Section. It provides shared applicant information for a submission that uses separate personal insurance sections.
The value is consistency across the packet. Establish the applicant and co-applicant information once, then make sure the attached line sections use the same people, addresses, dates, and coverage history.
When it's used
- A market requests a personal insurance packet built from separate sections.
- Several personal lines need a shared applicant information section.
- Your team is reconciling applicant details across attached forms.
Section-by-section walkthrough
Identification
Your agency's details, the carrier, policy numbers, proposed effective and expiration dates, and whether the transaction is new business, a renewal, or a policy change.
Review check: Match the transaction and dates.
Applicant information
The primary applicant: legal name, date of birth, marital status, contact information, and identifiers the carrier requires.
Review check: Use verified applicant information requested by the process.
Co-applicant information
The same detail for a co-applicant, typically a spouse or partner.
Review check: Confirm who belongs in the co-applicant section.
Residence history
Current and previous addresses with years at each.
Review check: Follow the requested address-history period.
Employment information
Employer, occupation, and years employed for the applicant and co-applicant.
Review check: Confirm current occupation and employment details.
Prior coverage
Previous carriers, policy numbers, expiration dates, and limits for the lines being placed.
Review check: Reconcile history with source policies.
Loss history
Prior losses for the years requested: dates, types, descriptions, and amounts.
Review check: Use the requested period and explain source gaps.
General information
The yes/no questions: other policies in the household, prior declines or cancellations, financial history, additional residences, and recreational exposures.
Review check: Follow individual question instructions.
Payment plan and additional interests
Billing arrangements plus mortgagees, lienholders, and loss payees with their details.
Review check: Check billing choices and interest references.
Forms and signatures
The list of attached sections and endorsements, then the applicant and producer signatures.
Review check: Match the attachment list to the actual packet.
In Relay
Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 88; it is not a promise that this form or edition is available in your workspace. Check the supported form, then review the fields and missing answers before use. See how →
Common errors
- Different names or dates across the attached sections.
- Including more personal information than the accepted process requests.
- Listing attachments that are missing from the packet.
Common questions
Does ACORD 88 replace the coverage sections?
No. It provides applicant information. Include the line-specific sections the market requests and verify the attachment list.
Do we need ACORD 88 for every personal lines submission?
Use the market's accepted application process. A complete line application or portal may collect applicant information without a separate ACORD 88.
Related forms
Form references
- ACORD Forms Portal: current forms and authorized access
- ACORD-authored Forms Index, May 2024 (historical form names)
Confirm the form edition and requirements with the market receiving the submission.
Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.
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