Who typically performs field underwriting and what is their main responsibility?

• A. The home office staff conducts all interviews remotely.
• B. The agent or producer conducts the field interview; the field underwriter gathers medical and non-medical information, orders exams when needed, and forwards data to the home office for review.
• C. A third-party investigator handles everything.
• D. The applicant self-reports with no verification.

Answer: (B)