The agent is usually the one whose solicited the insured.

The agent is usually the one whose solicited the insured.

• A. Field Underwriter
• B. Application
• C. Premium Receipt
• D. Investigative Consumer Report

Answer: (A)

In life insurance, the person who actually seeks out and signs up the insured is the field underwriter. This role, typically the agent or producer, meets with the applicant, explains policy options, and collects the information needed to evaluate risk. They often gather health history, financial details, and consent for any medical records, and may even collect the initial premium. All of this happens in the field before the insurer’s home office underwriting makes the formal decision. The other items are not about who solicits the insured: an application is the form filled out; a premium receipt is proof of payment; an investigative consumer report is a background check the insurer may order during underwriting.

In life insurance, the person who actually seeks out and signs up the insured is the field underwriter. This role, typically the agent or producer, meets with the applicant, explains policy options, and collects the information needed to evaluate risk. They often gather health history, financial details, and consent for any medical records, and may even collect the initial premium. All of this happens in the field before the insurer’s home office underwriting makes the formal decision. The other items are not about who solicits the insured: an application is the form filled out; a premium receipt is proof of payment; an investigative consumer report is a background check the insurer may order during underwriting.