West Virginia State Life Insurance Practice Exam

Which of the following is a requirement for an applicant's medical information during the insurance application process?

1. Must be disclosed to the insurance company only

2. Can be shared verbally

3. May be shared with re-insurers

4. May be provided to the applicant's physician

The correct answer is: May be provided to the applicant's physician

In the context of the insurance application process, an applicant's medical information is sensitive and typically protected under privacy regulations. The correct answer highlights the fundamental principle that individuals should have access to their own medical information. This means that applicants have the right to obtain their medical information, and it can indeed be shared with their physician. This practice encourages transparency and allows the physician to assist in understanding the medical details that may impact the insurance application. The sharing of medical information with an applicant's physician is also beneficial for ensuring accuracy and addressing any possible health concerns that could affect the applicant's insurance coverage. This aligns with the ethical responsibilities of insurance providers to maintain clear communication and uphold patient rights.