Which is not considered a source of information to assist underwriter?

• A. Medical records
• B. National Association of Insurance Underwriters
• C. Credit reports
• D. Attending physician statements

Answer: (B)

Underwriting decisions hinge on information that reveals an applicant’s health and financial risk. Medical records provide the detailed health history used to assess current and past conditions. An attending physician statement is a direct medical opinion from the treating physician that helps gauge prognosis and risk. Credit reports offer insight into financial responsibility and stability, which can influence premium levels and risk assessment. The National Association of Insurance Underwriters is a professional organization, not a source of applicant-specific information used in underwriting. It doesn’t provide medical or financial data about individuals, so it isn’t a source used to assist underwriters.