What is required when an applicant reveals conditions that require more information?

When an applicant reveals conditions that require more information, a physical examination is often necessary to gather detailed medical information about the applicant’s health status. This examination is conducted by a qualified medical professional and typically assesses current health conditions, medical history, and any ongoing treatments that may affect the underwriting decision.

In cases where pre-existing conditions or significant health issues are disclosed, insurers may require a physical examination to ensure that they have accurate and up-to-date information. This step is crucial for accurately assessing risk, leading to fair premium pricing and appropriate coverage options for the applicant.

The other options, while they may be relevant in various contexts, do not specifically fulfill the requirement triggered by revealing health conditions. An attending physician's statement could be requested for more detailed medical information, but it often follows a physical examination rather than replacing it. An investigative consumer report focuses on the applicant's lifestyle and behaviors rather than their medical status. Lastly, an agent's report typically summarizes the agent's observations and insights regarding the applicant but does not replace the need for objective medical evaluation through a physical examination.