Arkansas Life and Health Insurance Exam 2025 – 400 Free Practice Questions to Pass the Exam

Image Description

Question: 1 / 400

Who ultimately determines the insurability of an applicant?

Insurance Agent

Insurer's home office underwriter

The correct answer is the Insurer's home office underwriter. This individual assesses the risk associated with insuring the applicant by evaluating various factors such as the applicant's medical history, age, occupation, and other relevant information. The underwriter uses this information to determine the insurability of the applicant and to set appropriate premium rates. The insurance agent assists in the application process but does not have the final authority in determining the insurability of an applicant. The State Insurance Department oversees insurance regulations and compliance but does not make individual insurability decisions. The applicant provides information for underwriting purposes but does not ultimately determine their own insurability.

Get further explanation with Examzify DeepDiveBeta

State Insurance Department

Applicant

Next Question

Report this question

Subscribe

Get the latest from Examzify

You can unsubscribe at any time. Read our privacy policy