The correct answer is D. Judgmental.
Judgmental underwriting is a type of underwriting that involves the use of a subjective assessment of the risk by an underwriter. This type of underwriting is often used for complex cases, such as those involving people with acute diabetes.
Instrumental underwriting is a type of underwriting that involves the use of objective criteria, such as medical records and financial information, to assess the risk. This type of underwriting is often used for simpler cases.
Panelling underwriting is a type of underwriting that involves the use of a panel of experts to assess the risk. This type of underwriting is often used for cases that are too complex for a single underwriter to assess.
Non-medical underwriting is a type of underwriting that does not involve the use of medical information. This type of underwriting is often used for cases where the risk is low or where the applicant is not willing to provide medical information.
Judgmental underwriting is the most appropriate type of underwriting for complex cases, such as those involving people with acute diabetes, because it allows the underwriter to take into account all of the relevant factors, including the applicant’s medical history, financial situation, and lifestyle.