保险基本原理第 582 / 716 题
In using MIB data, an insurer may NOT:
a.Use an MIB report as a starting point for further investigation
b.Ask the applicant health questions on the application
c.Decline or rate an applicant solely on the basis of an MIB report without additional underwriting
d.Report its own coded underwriting findings back to the MIB so other member companies can review them later
解析
MIB information is only a lead; an insurer cannot base an adverse decision on the MIB report alone and must independently underwrite. Using it as a starting point, contributing coded findings, and asking health questions are all permitted.
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同考点相关题目
- Insurers combat adverse selection primarily through:
- The producer's role in field underwriting includes:
- The Medical Information Bureau (MIB) assists insurers by:
- Under the Fair Credit Reporting Act (FCRA), when an insurer obtains a consumer or investigative report on an applicant, the applicant:
- If an insurer takes adverse action (declines or rates coverage) based on a consumer report, the FCRA requires the insurer to:
- An investigative consumer report differs from an ordinary consumer report because it:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)