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 a Have you ever tested positive for HIV
B)the applicant's response to the question a 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 your company's own physicians are the most reliable underwriting criteria because they provide objective and comprehensive information about the applicant's health status. This information is less likely to be influenced by biases or inaccuracies that can occur with self-reported information or information from external sources such as a family doctor. Additionally, these tests can detect underlying health conditions that the applicant may not be aware of or may not disclose, which can impact their insurability and the risk level they pose to the insurer.

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