General report of the applicant's finances, character, work, hobbies, and habits

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An Investigative Consumer Report is a type of consumer report that gathers information beyond the basic financial data by speaking with people who know the applicant—such as references, former employers, friends, or neighbors—about finances, character, work habits, hobbies, and lifestyle. This fits the description because it describes a broad view of the applicant, not just what’s on a credit file or a static form. Underwriting uses this information to assess risk and insurability, and it requires the applicant’s consent with the right to receive a copy of the report and to dispute any inaccuracies. The other items don’t fit: an application is merely the form the applicant fills out; an agent’s report is the agent’s own notes and observations; a premium receipt is simply proof of payment.