CARD Q017
An applicant leaves a health-history question unanswered. What should the producer do?
- Obtain the applicant’s answer using the insurer’s required process
- Enter the answer most likely to secure approval
- Assume a blank means no
- Promise that underwriting will ignore it
Obtain the applicant’s answer using the insurer’s required process
Field underwriting requires accurate, complete information. The producer must not invent answers or make the insurer’s final risk decision.
Why each choice is right or wrong
A. Obtain the applicant’s answer using the insurer’s required process
Correct. Field underwriting requires accurate, complete information. The producer must not invent answers or make the insurer’s final risk decision.
B. Enter the answer most likely to secure approval
Incorrect. The producer must not invent an answer to improve approval chances.
C. Assume a blank means no
Incorrect. A blank is not reliable evidence of a negative answer.
D. Promise that underwriting will ignore it
Incorrect. The producer cannot promise that the insurer will ignore missing underwriting information.
Review the related terms
Use these lessons to revisit the concepts and try additional practice questions.