All of these are considered sources of underwriting information about an applicant EXCEPT?

Rating services are not typically considered a direct source of underwriting information about an applicant. Underwriting relies primarily on specific data that provides insight into an individual's risk profile, such as their health status, financial standing, and personal history.

Medical reports, for instance, provide crucial information regarding an applicant's physical health and any medical conditions that could affect their insurance risk. Similarly, credit reports offer insights into an applicant's financial behavior and reliability, which are important factors for insurers when determining risk.

Application forms serve as a foundational source of information, collecting details directly from the applicant about their lifestyle, health, and other relevant factors.

In contrast, rating services provide generalized information about insurance products, markets, and comparative analyses, which do not directly pertain to the specifics of an individual applicant's risk assessment. They are more about the overall market and pricing strategies rather than personal underwriting details.