Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
In the life insurance underwriting process, the 'field underwriter' is generally:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
The agent is commonly described as the field underwriter: the first line of risk selection who meets the applicant face-to-face, screens for obvious risk factors, completes the application, and gathers preliminary information for the insurer. The application and the agent's report feed the home office underwriting decision. The medical director, the MIB, and the Commissioner perform different roles and are not considered field underwriters in the underwriting process.
Why the other options are wrong
- A) The medical director is a home office physician who reviews medical evidence, not the field-level screener who meets the applicant.
- B) The MIB is an information source consulted by underwriters, not a field underwriter.
- D) The Commissioner regulates and licenses agents but does not participate in underwriting individual risks.
Memory hook
The agent is the underwriter's eyes in the field — the first to sniff out a bad risk.