Why is the agent so important in the underwriting of a life insurance application?

(a) Because the agent is usually the only representative of the insurance company to see the applicant in person

(b) Because the agent, in the completed application, provides the insurer with its only source of medical information

(c) Because the agent is in a position to sell more insurance to a rated applicant

(d) Because the agent can decide to decline an applicant whose health is poor, thereby saving the head office a lot of time