solve it fast please

QUESTION 12 One source of life and health insurance underwriting information is an organization that life and health insurance companies can join As a member, life and health insurance companies report health impairments of applicants, and this information is shared with member companies. Although the information is shared, the underwriting decision of the member company is not disclosed. What is this organization called? O Fair Isaac Corporation (FICO) Medical Information Bureau (MIB) O National Association of Insurance Commissioners (NAIC) National Association of Mutual Insurance Companies (NAMIC)