What term describes the section of an insurance application where an agent reports personal observations about the applicant?

The term that describes the section of an insurance application where an agent reports personal observations about the applicant is known as the Agent's report. This part of the application is crucial because it allows the agent to provide additional insights that may not be captured through the standard questions presented to the applicant. The agent can note inconsistencies, physical appearance, demeanor, and any other relevant behavioral characteristics. This information aids the insurer in assessing the risk associated with the applicant and can influence the underwriting decision.

In contrast to other options, client disclosure typically pertains to information that the applicant voluntarily provides regarding their health conditions or lifestyle choices. The insurer's statement usually refers to the insurer’s assessment or an official document provided by the insurance company, while an application summary may consist of a brief overview but lacks the specific focus on the agent's observations.