Which item would be least likely a source of information for underwriting, given standard practices?

• A. Medical records
• B. Applications and health history questionnaires
• C. Credit history
• D. Genetic testing

Answer: (D)

Underwriting relies on information that reflects current health and observable risk, gathered from sources that directly relate to present or near-term risk. Medical records provide verified details of past and current illnesses, treatments, and results. Applications and health history questionnaires capture the applicant’s self-reported health status, diagnoses, and lifestyle factors. Credit history is sometimes reviewed to gauge financial responsibility and broader risk factors linked to insurability. Genetic testing, however, is not part of standard underwriting because it raises privacy and discrimination concerns and is often restricted by law; it reveals potential future health risks rather than current conditions and outcomes, making it the least likely source among these options.