Question

Which factors (other than health related) are included in the 3rd 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: (d).Hereditary factors Explanation:The factors included in the 3rd phase of assessment by underwriters are hereditary factors, which includes ascertaining the medical history of the family members of the applicant (like diabetes, blood-pressure etc).

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Q. Which factors (other than health related) are included in the 3rd phase of assessment by underwriters?
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