All of these are considered sources of information that can assist an underwriter in determining whether or not to accept a risk EXCEPT

• A. Medical records
• B. Consumer credit reports
• C. Agent's report
• D. National Association of Insurance Underwriters

Answer: (D)

Underwriters rely on various information sources to assess risk: medical records reveal health history and current conditions; consumer credit reports can indicate financial responsibility and stability that may affect insurability; the agent’s report provides the lender’s or producer’s observations and any additional details from the applicant. The National Association of Insurance Underwriters, however, is an industry association, not a source of information about the applicant’s risk. It doesn’t provide underwriting data like medical records, credit reports, or agent-obtained information, so it’s not used as a source in the underwriting decision.