Which of the following is typically considered a source of underwriting information?

• A. Medical records
• B. National Association of Insurance Underwriters
• C. Policy premium schedule
• D. Advertisements

Answer: (A)

Underwriters rely on medical records to assess health status because they provide detailed, objective evidence of an applicant’s medical history, current conditions, treatments, and test results. This information helps determine how risky the applicant is to insure and what premium to charge. The other options don’t serve as typical data sources for underwriting: a professional association name isn’t a data source for health risk; a policy premium schedule is a pricing worksheet used after risk is assessed, not a source of health information; and advertisements are marketing materials, not clinical data used to evaluate insurability.