Question

Which factors (other than health related) are included in the 1st phase of assessment by underwriters?

a.

Health related factors

b.

Personal factors

c.

Environmental factors

d.

Hereditary factors

Posted under IC22 Life Insurance Underwriting

Answer: (b).Personal factors Explanation:The factors included in the 1st phase of assessment by underwriters are personal factors such as personal medical history (current and past history), physical build, habits and lifestyle, hobbies/avocations (e.g. bungee jumping, mountaineering etc.).

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Q. Which factors (other than health related) are included in the 1st phase of assessment by underwriters?
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