Which statement accurately describes what an MIB report shows and how it should be used in underwriting?

• A. They summarize a person's medical history from multiple insurers.
• B. They reveal the applicant's current diagnoses to the underwriter.
• C. They contain financial and personal background data that is not medical.
• D. They show disclosed medical information from past diagnoses but cannot by themselves determine eligibility; they must be corroborated with current records.

Answer: (D)