Which type of application is considered a nonmedical insurance application?

A nonmedical insurance application is defined by the absence of a requirement for a medical exam or extensive health inquiries that would typically necessitate one. In this context, the option that suggests the application gathers medical information only from the applicant and the agent aligns with the criteria of a nonmedical application. It does not mandate a medical examination, which is a key characteristic of medical applications.

Furthermore, an application that requires a medical exam or comprehensive health history involves additional scrutiny regarding the applicant's health status, making it a medical application. The focus of a nonmedical application is primarily on information obtained directly from the individual seeking insurance, supplemented by the agent's observations or notes, thereby avoiding the need for clinical assessments. Thus, the correct answer reflects the nature of a nonmedical insurance application by emphasizing that the information is derived without the necessity for a physical examination.