Which statement accurately describes what an MIB report shows and how it should be used in underwriting?

Which statement accurately describes what an MIB report shows and how it should be used in underwriting?

• A. They summarize a person's medical history from multiple insurers.
• B. They reveal the applicant's current diagnoses to the underwriter.
• C. They contain financial and personal background data that is not medical.
• D. They show disclosed medical information from past diagnoses but cannot by themselves determine eligibility; they must be corroborated with current records.

Answer: (D)