If you were a life insurance underwriter, which of the following underwriting criteria would you MOST prefer to use because of its reliability?
A) The applicant's response to the question Have you ever tested positive for HIV?
B) The applicant's response to the question Have you smoked any tobacco products within the last year?
C) The opinion of the patient's family doctor as to the overall health of the patient
D) The results of blood and urine tests taken by your company's own physicians

Question

Quizplus · Accepted Answer

The results of blood and urine tests taken by the insurance company's own physicians are the most reliable underwriting criteria because they provide objective measurements of the applicant's health status, rather than relying on subjective opinions or self-reported information from the applicant or their doctor.

If You Were a Life Insurance Underwriter, Which of the Following