Two options for medical examination of the insured?

• A. A government health agency report
• B. An applicant's personal financial statement
• C. A paramedical report and attending physician's statement
• D. A private lab test report

Answer: (C)

Medical underwriting relies on two sources that give the underwriter a clear picture of health and medical history: a paramedical report and an attending physician's statement. The paramedical report is collected by a trained examiner and provides objective health information—physical measurements, interview data, and often lab test results. The attending physician's statement comes from the insured’s own doctor and offers the physician’s evaluation of diagnosed conditions, treatment history, prognosis, and potential impact on future health. Together, these sources supply the essential medical information needed to assess risk and set premiums. The other options don’t fit as the standard medical examination pair: a government health agency report isn’t a standard underwriting source; a personal financial statement covers finances, not health; a private lab test report may be part of the process but lacks the physician’s medical opinion and complete health history.