Which statement is CORRECT regarding an individual applying for life or health insurance?

• A. The applicant's medical history may be analyzed and reported
• B. The applicant's medical history is never accessed
• C. Underwriting ignores medical data
• D. The insurer can declare acceptance without underwriting

Answer: (A)

Underwriting in life and health insurance relies on medical information to evaluate risk and determine eligibility and premium. As part of that process, the applicant’s medical history may be analyzed and reported to the insurer (and may be shared with external sources used in underwriting). This is how insurers decide whether to issue coverage, and at what rate or with what exclusions. So the statement that the applicant’s medical history may be analyzed and reported is correct.

The other options aren’t accurate because medical data is indeed used in underwriting, not ignored, and insurers don’t typically issue coverage without evaluating medical information.