Questões de Field Underwriting Procedures

1. TDI-PEARSONVUE — 2026

An underwriter requests an Attending Physician Statement (APS) for an applicant. What is the primary purpose of this document?

1. A)To replace the need for a medical examination
2. B)To obtain detailed medical history from the applicant's own physician
3. C)To verify the applicant's current employment status
4. D)To confirm the applicant's financial information

Gabarito: B

An APS provides detailed medical information from the applicant's treating physician to help underwriters assess health risks based on actual medical history and treatment.

2. TDI-PEARSONVUE — 2026

An applicant's attending physician statement (APS) is requested by the underwriter. The cost of obtaining the APS is typically paid by:

1. A)The applicant directly to the physician
2. B)The insurance company
3. C)The producer from commission
4. D)Split equally between applicant and insurer

Gabarito: B

The insurance company typically pays for obtaining attending physician statements and other underwriting requirements. These are considered costs of doing business and part of the underwriting investigation process.

3. TDI-PEARSONVUE — 2026

An agent submits a life insurance application to the home office with all required signatures and initial premium. What additional item is typically required for complete underwriting submission?

1. A)The agent's personal recommendation for approval
2. B)A copy of the applicant's most recent tax return
3. C)The agent's report or supplemental questionnaire if applicable
4. D)Proof of the applicant's current employment

Gabarito: C

The agent's report or statement is a standard component of underwriting submission, providing the agent's observations and any relevant information about the applicant, application circumstances, or replacement situations that may assist underwriting.

4. TDI-PEARSONVUE — 2026

An insurer requires an investigative consumer report on a life insurance applicant. Under the Fair Credit Reporting Act, what must the insurer disclose to the applicant?

1. A)Only the name of the reporting agency
2. B)The nature and scope of the investigation and the applicant's right to request additional disclosures
3. C)The specific sources who will be contacted
4. D)The exact questions that will be asked during the investigation

Gabarito: B

The FCRA requires insurers to inform applicants about the nature and scope of any investigative consumer report and the applicant's right to request further details about the investigation.

5. TDI-PEARSONVUE — 2026

What is the primary purpose of a signed authorization on an insurance application?

1. A)To allow the insurer to obtain medical and other personal information about the applicant
2. B)To waive the applicant's right to contest the policy
3. C)To acknowledge receipt of the policy
4. D)To authorize automatic premium payments

Gabarito: A

The authorization permits the insurer to contact physicians, hospitals, employers, and other sources to obtain information necessary for underwriting the application.

6. TDI-PEARSONVUE — 2026

Which statement about the application signature is correct?

1. A)The producer may sign on behalf of the applicant if authorized verbally
2. B)Electronic signatures are never acceptable for insurance applications
3. C)The applicant must personally sign the application
4. D)The signature requirement can be waived for small face amounts

Gabarito: C

The applicant must personally sign the application to acknowledge the accuracy of the information and to validate the contract. Proxy signatures are not permitted.