Insurance carriers gives up all control of a policy and releases it for
Unconditional delivery to someone acting for the policyholder
Including the company own agent
Constructive delivery
Detailed background investigations that may include
An interveiw with coworker etc
Consumer report
Legal description of what happens when a insurer declines
A paid application for insurance with a standard rate classification
Counter offer
A summary of an insurance applicant credit history
Credit report
Described an individual whose application for coverage was
Rejected by an insurance company
Declined risk