What is the limitation placed on the insurer regarding physical exams and autopsies?

The correct answer indicates that the insurer can conduct reasonable physical examinations at their expense. This is a standard practice in the insurance industry designed to protect the insurer's interests while ensuring that the insured party's rights are also considered.

Insurers need to assess the risk associated with insuring a policyholder, which often requires them to verify health status or investigate the circumstances surrounding a claim. Allowing the insurer to perform reasonable physical exams ensures that they can gather the necessary information to make informed decisions about policy issuance, coverage adjustments, or claims processing.

By specifying that these exams are reasonable and at the insurer's expense, it prevents potential abuse of the process where an insurer might require excessive or costly examinations, thus safeguarding the insured from undue financial burden. This restriction helps maintain a fair balance in the insurer-insured relationship while providing the insurer with the means to validate health-related information accurately.