Chapter 8 – Underwriting Review Questions

Which of the following is NOT a key piece of information used when deciding whether a disability insurance policy will be issued, and at what cost?

Select the job description that best illustrates the type of information that should be provided on an application for disability insurance.

An applicant is age 25, apparently healthy, and seeking a monthly disability benefit of $1,000. What type of medical underwriting will probably apply to the applicant’s disability insurance application?

When the underwriter wants information from an applicant’s doctor about a specific medical condition for which the doctor treated the applicant, the underwriter requests a(n)  _____.

Which of the following occupations is most likely to be assigned a more favorable occupational class code and eligible for more comprehensive benefits and policy terms?

Which of the following is considered the least risky of the occupations listed?

Most disability insurance policies are issued as _____ risks.

An underwriter might use all the following methods to write a disability policy that would otherwise be declined, EXCEPT for:

Group underwriting requires the underwriter to look at the history of: