Question

What additional risk factor profile has an unfavorable impact on mortality?

a.

Smoking

b.

Dyslipidemia

c.

High BMI

d.

All of the above

Posted under IC22 Life Insurance Underwriting

Answer: (d).All of the above Explanation:The considerations that need to be taken into account while underwriting individuals with diabetes for life insurance policies includes factors like smoking, dyslipidemia, and high BMI. The presence of these factors has an unfavorable impact on mortality, meaning that individuals with these factors are at a higher risk of death than those without them. As a result, insurance companies may require additional loadings or may even decline the risk for individuals with these risk factors.

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Q. What additional risk factor profile has an unfavorable impact on mortality?
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