Which of the following is a strategy to reduce reserves through underwriting?

Obtaining insurance information is a strategy that can significantly help in reducing reserves through underwriting. By gathering comprehensive insurance information, underwriters are able to assess risk more accurately and determine the necessity for reserves more effectively. This knowledge allows underwriters to make informed decisions about the level of coverage needed, the potential for claims, and the overall risk associated with insuring a particular individual or entity. Therefore, it helps in optimizing reserve levels by ensuring that they are aligned with the actual risk exposure.

In contrast, making fewer phone calls, ignoring customer feedback, or limiting customer interaction are approaches that could hinder the underwriting process. Such strategies may lead to a lack of essential information that is critical for proper risk assessment, ultimately increasing the uncertainty surrounding reserves rather than effectively managing or reducing them. Engaging with customers and seeking their feedback is vital to understanding their needs and identifying potential risks, which is essential for efficient underwriting practices.