What ethical risk might arise during field underwriting and how can it be mitigated?

• A. Delays in data collection; mitigated by faster processing times within home office.
• B. Coercing applicants to misrepresent health or finances; mitigated by training, policies, oversight, and a strong ethics culture.
• C. Confidentiality breaches; mitigated by encryption and access controls.
• D. Incomplete medical records; mitigated by spot checks during field visits.

Answer: (B)