Which of the following is an underwriting information source?

Which of the following is an underwriting information source?

• A. Mortgage statement
• B. Attending Physician Statement (APS)
• C. Premium refund policy
• D. Benefit rider

Answer: (B)

Underwriting information sources are the materials underwriters use to assess risk and set premiums. An Attending Physician Statement is a formal document from the applicant’s doctor that details medical history, diagnoses, treatments, current condition, and prognosis. This direct medical input helps the underwriter evaluate mortality and morbidity risk and determine appropriate rates. The other items don’t provide medical or risk data. A mortgage statement is a financial document showing debt and assets, not health information. A premium refund policy is a contract provision about refunds, not medical details. A benefit rider is a feature of the policy, not a source of health or risk data.

Underwriting information sources are the materials underwriters use to assess risk and set premiums. An Attending Physician Statement is a formal document from the applicant’s doctor that details medical history, diagnoses, treatments, current condition, and prognosis. This direct medical input helps the underwriter evaluate mortality and morbidity risk and determine appropriate rates.

The other items don’t provide medical or risk data. A mortgage statement is a financial document showing debt and assets, not health information. A premium refund policy is a contract provision about refunds, not medical details. A benefit rider is a feature of the policy, not a source of health or risk data.