What is the primary source of information used for insurance underwriting?

The primary source of information used for insurance underwriting is the application. The application serves as the foundational document that provides underwriters with essential details about the applicant. It typically includes personal information such as the applicant's age, gender, occupation, and medical history, which are crucial for assessing risk and determining appropriate coverage and premiums.

The application is designed to gather comprehensive data upfront, enabling underwriters to make informed decisions about whether to approve the policy and under what terms. It also aids in identifying any potential risks associated with issuing the policy. This focus on gathering structured and detailed information makes the application the most critical source in the underwriting process. Other sources, although valuable, either complement the application or provide additional insights during the underwriting evaluation.