What Does Unsolicited Application Mean?
An unsolicited application (or unsolicited insurance application) is one that is submitted by a person applying for insurance coverage directly to the insurance company instead of going through an insurance agent or broker. Insurance companies screen these direct applications more thoroughly.
Insuranceopedia Explains Unsolicited Application
Insurance companies are wary and more careful when screening an unsolicited application because the applicants who submit them might cause the company a great risk. A person applying for health insurance coverage might, for instance, already have an existing adverse health situation (a scenario referred to as "self-selection"). When the company discovers this for itself after their investigation, the applicant might be denied coverage or given an extremely high premium.