Who determines the suitability of a disability (accident & health) policy to a potential insured?

• A. Intermediary
• B. Applicant
• C. Employer
• D. Insurer

Answer: (A)

Determining suitability means making sure the policy fits the person’s needs, budget, and situation before purchase. The intermediary—the licensed agent or broker who helps the potential insured explore options—takes the lead here. They gather information about the person’s income, existing coverage, health, and financial goals, then explain policy features, benefits, costs, and limitations. With that understanding, they recommend a product that aligns with what the individual actually needs and can afford. The insurer handles underwriting and issues the policy, but deciding whether a particular disability policy is appropriate for that person is the intermediary’s job. The employer would only come into play for group plans, not individual suitability.