While collecting underwriting information, certain rules must be followed. Which of the following is incorrect?

A. Information contained on the non-medical application may result in the requirement for a physical exam.
B. When credit is used to determine insurability, the applicant must be furnished with the name, address, and phone number of the credit agency used by the insurer.
C. Post-claims underwriting is a valid and necessary means of determining the insurability of a potential applicant.
D. Insurers may test for HIV after getting informed consent from the applicant, and may ask questions concerning the existence of the condition as long as they don't reveal information about sexual orientation.

Answer: C. Post-claims underwriting is a valid and necessary means of determining the insurability of a potential applicant.