General Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A life agent who completes field underwriting for an application is responsible for:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Field underwriting is the agent's role: interview the applicant, record answers accurately, observe signs of health or risk (such as a dangerous occupation or hobby), and report findings to the home office. The insurer's underwriters make the issue decision, assign the risk class, and review medical evidence. An inaccurate agent's report distorts the underwriting process and can lead to rescission later. The agent's observations and truthful recording are essential inputs the underwriter relies upon.
Why the other options are wrong
- B) The final issue or decline decision rests with the insurer's underwriting department, not the agent.
- C) Premium rates and risk classes are set by the insurer's actuaries and underwriters.
- D) Laboratory and medical results are evaluated by underwriters or medical directors, not field agents.
Memory hook
Agent = eyes and ears in the field; the home office = the decision maker.