Medical examinations for insurance applicants are primarily conducted by?

Medical examinations for insurance applicants are primarily conducted by physicians or nurses, as they are qualified to perform the necessary assessments and evaluations required for underwriting insurance policies. These professionals have the training and expertise to conduct comprehensive medical exams, which often include checking vital signs, conducting physical exams, and reviewing applicants' medical histories.

Physicians are particularly adept at identifying any potential health concerns that may affect an applicant's insurability or the terms of their policy. They can perform diagnostic tests and interpret the results, which is crucial for insurance companies to evaluate the risk associated with insuring the applicant. Nurses also play a significant role in this process as they can conduct preliminary assessments and document the medical history required for the insurance application.

Other options involve individuals who may not have the qualifications necessary to conduct a thorough medical examination. For instance, pharmacists have expertise in medication and health conditions, but they are not typically involved in the physical examinations required for insurance. Certified medical assistants, while trained in clinical tasks, might not have the licensure or authority to perform in-depth medical evaluations required in insurance underwriting. Insurance agents primarily focus on the selling and servicing of policies rather than conducting medical exams, making them less relevant in this context.