All of these are typically sources of underwriting information for life or health insurance EXCEPT?

Disclosure authorization responses are typically not a source of underwriting information. Instead, they serve as permission granted by the applicant for insurers to access various types of sensitive information relevant to the underwriting process. While it is a crucial step in obtaining the necessary information, the authorization itself does not provide any data or insights about the applicant’s health or lifestyle.

On the other hand, consumer reports provide information about the applicant's credit history and other pertinent financial details. Medical Information Bureau (MIB) reports consolidate medical information from different insurers and help underwriters assess risk associated with applicants. Attending physician's statements (APS) are vital documents containing detailed medical histories and conditions from the applicant's healthcare providers, offering crucial insights into the applicant's health status.

Understanding these sources illustrates the breadth of information underwriters rely on to make informed decisions about issuing life and health insurance policies.