What the correct state for an insurance application?

The correct application state is the state where the owner signs. For example, if the insured is in CA and the owner is in FL, you should be using a FL application.

With the exception of Legal & General, the state of the application does not have to be the state of the owner’s address, only where the owner is signing. For example, if the insured lives in CA, the owner lives in FL, and the owner signs while in TX, the application should be for TX.

Quote & Apply automatically prompts the user if there is a mismatch between the owner’s state and the state of the application.

You can change the state on the Quote Step of Quote & Apply as shown in the image below.