Who performs field underwriting?

• A. Actuary
• B. Claims Adjuster
• C. Producer
• D. Underwriter

Answer: (C)

Field underwriting is the hands-on screening of an applicant that happens in the field, typically performed by the producer. The producer gathers information, explains the product, identifies missing data or inconsistencies, ensures the application is complete and signed, and may collect the initial premium. This in-person step helps catch issues early and reduces the chance of misrepresentation, speeding up the overall process.

Actuaries analyze risk and set premiums, not conduct field checks. Claims adjusters handle claims after a policy is issued. Underwriters evaluate risk in the underwriting department—usually in a home office—after the application is submitted. So the best fit for field underwriting is the producer.