A policyowner in Lansing requests accelerated death benefits under a living benefit rider. As part of evaluating the request, the insurer will ordinarily require:

Why D is correct

Because payment under an accelerated death benefit rider is conditioned on the insured's qualifying condition, the insurer's evaluation under the Michigan living benefit framework (M.C.L. 500.3928, M.C.L. 500.3949) centers on medical documentation — typically certification by a physician of the condition that triggers the rider. No new underwriting is performed, since the policy was already issued; the insurer is verifying the medical event, not the insured's current health as a risk.

Why the other options are wrong

• A) Evidence of insurability relates to buying new coverage or reinstatement; acceleration of an existing death benefit does not require new underwriting.
• B) Whether the policy was assigned may matter to who can request payment, but it is not the substantive condition for paying a living benefit.
• C) Replacement notices belong to life insurance replacement transactions governed by the Michigan Administrative Code replacement rules, not to accelerated benefit requests.

Memory hook

No new exam needed — just a doctor's certification of the qualifying condition.