Which of the following policies does not typically involve detailed medical underwriting?

Accidental Death and Dismemberment (AD&D) policies are designed to provide benefits in the event of death or serious injury resulting from accidents. These policies focus primarily on the occurrence of an accidental event, rather than the applicant's broader health history or pre-existing medical conditions. As a result, they generally do not require detailed medical underwriting, which is a comprehensive evaluation of an applicant's health status and histories, such as in major medical or disability insurance policies.

Major medical insurance and disability insurance often involve a thorough review of the applicant's medical history, including chronic conditions and risk factors that could influence insurability and premium rates. Life insurance also typically requires extensive medical underwriting to assess the risk associated with the applicant's potential longevity and overall health.

In contrast, because AD&D policies assume that the claim will be based on an accident rather than health circumstances, they streamline the application process, making these policies more accessible without extensive medical evaluations.