When an applicant reveals conditions that require more information, what is required?

A physical examination may be conducted to assess an applicant's current health, but it is not specifically required when an applicant reveals conditions needing more information. It serves as an initial assessment rather than a detailed report on past medical history or ongoing treatments, which is what is typically needed in such situations.

An investigative consumer report may contain information about an applicant's credit history or general background but does not focus on specific medical conditions. It is not a requirement for clarifying health-related disclosures and therefore does not fulfill the need for detailed medical insight.

An agent's report may summarize an applicant's application and any relevant observations but lacks the depth of medical information required when specific health conditions are disclosed. It does not provide the necessary clinical details that an attending physician's statement would offer.