Under which condition should a TIA be issued?

A Temporary Insurance Agreement (TIA) should typically be issued when the client has paid the first premium and answered key underwriting questions positively. This condition is essential because it establishes a commitment from the client while indicating that they have provided initial information that would likely lead to coverage approval. The paid premium is crucial, as it activates the coverage period of the TIA, allowing the client some immediate protection prior to the policy being fully underwritten and delivered.

Issuing a TIA based on the paid premium and satisfactory answers ensures that the insurer can confidently begin the coverage process while still evaluating the full risk associated with the applicant. This practice helps in facilitating coverage for clients who might need protection immediately while underwriting is still in progress.

While considerations about health history, potential qualification issues, and the lack of medical examinations can all play a role in the decision-making process around coverage, they don't specifically dictate the issuance of a TIA as effectively as the condition of having received a premium along with positive responses to key questions. Therefore, the option related to the first premium and positive answers is the most appropriate condition for issuing a TIA.