Which of the following is NOT typically a source of underwriting information for life or health insurance?

The correct choice refers to a source of underwriting information that is generally not used in the same way as the others listed. Underwriting is the process through which insurers evaluate the risk of insuring a person and require information that helps in assessing that risk.

Medical records, personal interviews, and insurance application forms are standard sources of information used in underwriting. Medical records provide insight into the applicant's health history, personal interviews allow for clarification and gathering of more personalized information, and insurance application forms contain essential data about the applicant such as age, occupation, and lifestyle choices relevant to their overall risk profile.

The disclosure authorization response, while important, serves a different function. It is a permission granted by the applicant to access their medical records or other sensitive information. This response does not itself contain risk assessment information but rather serves to allow the insurer to collect the data necessary to complete the underwriting process. This distinction makes it clear why the disclosure authorization response is not considered a source of underwriting information, as it is more about accessing information rather than providing it.