An applicant indicates on the application an interest in skydiving and scuba diving. Which underwriting tool would the insurer most likely use to evaluate these activities?

Why A is correct

When an applicant engages in hazardous avocations such as skydiving, scuba diving, auto racing, or mountain climbing, the insurer typically uses a hazardous activity, or avocation, questionnaire to gather details about the frequency, location, and type of the activity. The responses allow the underwriter to assess the added risk and decide whether to charge an extra premium, exclude the activity by endorsement, or decline coverage. Avocation questionnaires are a standard part of underwriting for applicants whose hobbies present above-average mortality risk.

Why the other options are wrong

• A motor vehicle report addresses driving risk, not recreational hobbies such as skydiving or scuba diving. Accordingly, this option is not correct because it does not match the specific rule or product that is described in the question.
• An attending physician's statement reports the applicant's medical records and medical history, not the applicant's hobbies. This option therefore does not match the facts presented in the question and is not the correct answer to select.
• A credit report evaluates financial habits, which is unrelated to assessing hazardous recreational activities. This answer describes a different situation from the one in the question and is therefore incorrect under the facts given here.

Memory hook

Risky hobbies trigger an avocation questionnaire, not a doctor's note.