General Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
During the underwriting of an individual health insurance application, the insurer requests an attending physician statement (APS), other medical records from the applicant's providers, and a report from a medical information bureau database. These sources are used to:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Underwriters gather evidence - application answers, medical exams, attending physician statements (APS), medical records, and medical information bureau reports - to verify the applicant's health history and habits so the risk can be classified accurately. Accurate classification supports equitable rates and helps prevent adverse selection. The evidence supplements, but does not replace, the signed application, and it does not set benefit amounts or determine tax treatment.
Why the other options are wrong
- B) The signed application remains the foundation of the contract; medical evidence supplements it rather than replacing it.
- C) Benefit amounts are chosen by the applicant and insurer based on policy design and insurability, not set by medical records.
- D) Premium tax treatment is governed by separate tax rules; medical evidence is not used to determine tax liability.
Memory hook
Evidence in, classification out. APS + MIB = the underwriter's verification kit.