Question

Which complications require additional loadings in underwriting risk selection?

a.

Retinopathy and early nephropathy

b.

Stroke and Heart Diseases

c.

Established kidney disease

d.

All of the above

Posted under IC22 Life Insurance Underwriting

Answer: (a).Retinopathy and early nephropathy Explanation:Retinopathy and early nephropathy (microalbuminuria stage) require additional loadings in underwriting risk selection. Established kidney disease, stroke, and heart diseases may lead to declinature of the risk.

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Q. Which complications require additional loadings in underwriting risk selection?
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