Under Virginia's provisions governing adverse underwriting decisions, when an insurer declines an applicant for life coverage, what is the applicant generally entitled to receive?

Why B is correct

Virginia's adverse underwriting decision provisions — Va. Code §§ 38.2-610, 38.2-611, and 38.2-612 — entitle an applicant on the wrong end of a declination to know why: the insurer must provide information about the reasons for the adverse decision and the nature of the information relied on, together with how the applicant can obtain a copy of any report that was used. The scheme ensures that underwriting decisions rest on accurate information the applicant can examine and, where wrong, correct.

Why the other options are wrong

• A) The entitlement concerns the applicant's own decision and information, not a comparative roster of other people's applications.
• C) There is no automatic reversal mechanism; the statutes give the applicant knowledge and access, and any dispute proceeds on that basis.
• D) No standing reconsideration guarantee exists; the duty is to inform the applicant of the reasons and the source of the information used.

Memory hook

Declined? You get the why and the where — reasons plus how to fetch the report.