If a medical exam is required as part of the underwriting process, who normally conducts the exam?A. A physician or nurseB. The producer’s manager in the agency’s officeC. A chiropractorD. The producer
A physician or nurse*Physicians, nurses, or paramedics are the ones who conduct medical exams which may include blood tests, urine tests, EKGs, and medical histories among other things.
A. A physician or nurse would normally conduct the medical exam required as part of the underwriting process.
The purpose of the medical exam is to assess the applicant’s current health status and identify any underlying health issues that could pose a risk to the insurer. An experienced physician or nurse would have the appropriate medical knowledge and skills needed to perform a thorough medical examination and identify any potential risks. The results of the medical exam would then be reviewed by the underwriter to determine the applicant’s insurability and premium rates.
It is important to note that the exam is typically arranged and paid for by the insurance company, not the producer or the producer’s manager in the agency’s office. The producer’s role is to assist the applicant in completing the necessary paperwork and provide guidance throughout the underwriting process.
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