What is the action required if a home office underwriter receives MIB codes that conflict with the application?

When a home office underwriter receives MIB (Medical Information Bureau) codes that conflict with the application, conducting further investigation to obtain more information is the appropriate action. This is crucial because MIB codes summarize an applicant's medical history gleaned from previous insurance applications and can contain vital information regarding potential health risks.

If there is a discrepancy between what the applicant has reported in the application and the MIB codes, the underwriter cannot rely solely on the MIB data to make a decision since it may not provide the complete context of the applicant's health status. Instead, delving deeper allows the underwriter to clarify the conflicting information, which may involve reaching out to the applicant for additional details or even requiring medical records. This thorough approach helps ensure that the underwriting decision is fair and based on accurate and comprehensive information.

Other choices may not adequately address the need to confirm the accuracy of the information at hand. For instance, simply making a decision based on MIB codes could lead to unfair treatment of the applicant due to potentially incomplete data. Sending a notice to the applicant or requesting clarification from the agent may not be sufficient on their own without a deeper investigation into the conflicting information. Hence, the necessity for further inquiry plays a pivotal role in the