Which type of report includes information about an applicant's character and lifestyle?

The investigative consumer report is specifically designed to provide insights into an applicant's character, lifestyle, and overall reputation. This type of report often includes detailed information gathered from various sources, such as interviews with acquaintances, neighbors, or family members. These reports are crucial for underwriters as they help assess the risk associated with insuring an individual by looking beyond mere financial data to aspects of personal conduct and social behavior.

In contrast, the attending physician's statement focuses on medical history and health conditions, which is vital for understanding an applicant's medical risk but does not delve into personal lifestyle or character traits. The insurance application is primarily a document where the applicant provides information about their health, occupation, and lifestyle but does not independently verify this information or provide deeper insights. The Medical Information Bureau (MIB) report contains data related to an applicant's medical history, primarily concerning claims history shared among insurers, and is not geared towards evaluating personal character.

Thus, the investigative consumer report stands out as the crucial document that combines character assessment with lifestyle information, essential for a comprehensive risk evaluation in life, accident, and health insurance.