source of underwriting

Question 1

APS =

Answer 1

attending physician statement

Question 2

Attending physician statement

Answer 2

needed to obtain specific medical info, less expensive than a medical exam, helps likelihood of claims

Question 3

needed to obtain specific medical info

Answer 3

Attending physician statement

Question 4

less expensive than a medical exam (which would be paid for by insurer)

Answer 4

attending physician statement

Question 5

MIB =

Answer 5

medical information bureau

Question 6

nonprofit trade organization comprised of member insurance companies

Answer 6

medical info bureau

Question 7

stores and shares medical info among member insurers

Answer 7

medical info bureau

Question 8

medical info bureau

Answer 8

nonprofit trade organization, stores/shares medical info,

helps uncover misrepresentations, but adverse medical info cannot be sole reason for denial

Question 9

helps uncover misrepresentations and prevent concealment

Answer 9

medical info bureau

Question 10

adverse medical info from __ cannot be sole reason for denial

Answer 10

medical info bureau

Question 11

fair credit report act

Answer 11

procedures that consumer-reporting agencies must follow for accurate and confidential records

Question 12

FCRA =

Answer 12

fair credit reporting act

Question 13

procedures that consumer-reporting agencies must follow for accurate and confidential records

Answer 13

fair credit report act

Question 14

fair credit report act parts

Answer 14

consumer report,

investigative consumer report