Which of the following is true of medical personnel who examine life insurance applicants?

• A. I Only
• B. II Only
• C. Both I and II
• D. Neither I nor II

Answer: (A)

I need the exact text of statements I and II to explain why the correct answer is I Only. Without knowing what those two statements say, I can’t justify why one is true and the other isn’t.

Generally, medical personnel who examine life insurance applicants perform the medical exam as part of underwriting, report findings to the underwriter, and must keep health information confidential unless the applicant consents to disclosure. They don’t make underwriting decisions themselves and should not disclose results to third parties without proper authority. If one of the statements asserts something about consent, confidentiality, or the examiner’s role that aligns with these points, that would likely be the true one. If a statement claims the examiner can disclose results freely or make policy decisions, that would typically be false.

Please share the exact wording of statements I and II, and I’ll tailor the explanation to show why the first is correct.