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Most companies that do a POS can also do it in a foreign language. They simply get a translation service on the line unless they have in house people, usually only for Spanish.
As to why the policy would still be in English even though the applicant spoke another language and the POS was done in another language, it has to do policy language. When documents are translated, there has to be a definitive version. Typically this is specified in the master document and any translations. Go read a treaty if you have trouble sleeping and want to see.
With insurance, courts and juries tend to side against the insurance company when there is any ambiguity as to policy language. My belief is the insurance companies don't want to have to defend the translation of the policy. Also, if the policy specified that the definitive version is the English version, they would have to deliver both. Much easier to only contract in English and try to defend that and that the insured choose to contract in English.
As to why the policy would still be in English even though the applicant spoke another language and the POS was done in another language, it has to do policy language. When documents are translated, there has to be a definitive version. Typically this is specified in the master document and any translations. Go read a treaty if you have trouble sleeping and want to see.
With insurance, courts and juries tend to side against the insurance company when there is any ambiguity as to policy language. My belief is the insurance companies don't want to have to defend the translation of the policy. Also, if the policy specified that the definitive version is the English version, they would have to deliver both. Much easier to only contract in English and try to defend that and that the insured choose to contract in English.