A field underwriter's main task is

• A. To ensure an applicant's medical information is accurate and complete
• B. To set premium rates
• C. To market policies
• D. To issue policies

Answer: (A)

The field underwriter’s job is to collect and verify the applicant’s medical information, ensuring it’s accurate and complete so the underwriting decision rests on solid data. By gathering medical history, current conditions, medications, and test results at the point of sale, they help prevent misstatements and provide the insurer with what’s needed to assess risk and determine eligibility and appropriate premiums. They don’t set premium rates (that’s guided by actuarial rules and underwriting guidelines), market policies (sales), or issue policies (the issuance happens after underwriting approval). So the essential task is making sure the medical information is accurate and complete.