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

• A. Insurer's underwriter
• B. Applicant
• C. Insurance committee
• D. Intermediary

Answer: (D)

Suitability is determined by the intermediary because this is the person who directly guides the applicant through the decision, understands their needs and finances, and recommends a policy that fits. The intermediary gathers information about the potential insured’s income, existing coverage, and what they want protection for, then explains policy features, premiums, and any exclusions to ensure the chosen option matches both needs and budget. The insurer’s underwriter focuses on risk and pricing after an application is submitted, not on whether a given policy is the best fit for the individual. An insurance committee operates at a higher, organizational level rather than advising a specific client, and the applicant can request options but not determine suitability on their own without the intermediary’s assessment.