Which of the following reports would reflect on the lifestyle and habits of a proposer?

The correct answer is: C. Both A & B

An agent’s confidential report is a document that is prepared by an insurance agent and submitted to the insurance company. The report includes information about the proposer’s lifestyle, habits, and financial situation. The moral hazard report is a document that is prepared by the insurance company and includes information about the proposer’s claims history. Both reports can reflect on the lifestyle and habits of a proposer.

An agent’s confidential report can include information about the proposer’s:

• Age
• Occupation
• Marital status
• Health
• Driving record
• Credit score
• Financial situation
• Lifestyle habits (e.g., smoking, drinking, gambling)

The moral hazard report can include information about the proposer’s:

• Claims history
• Type of claims
• Frequency
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