Question

What is the potential impact of a history of hospitalization for asthma on life insurance underwriting?

a.

No impact

b.

Substandard loadings

c.

Declinature

d.

None of the above

Posted under IC22 Life Insurance Underwriting

Answer: (b).Substandard loadings Explanation:A history of hospitalization for asthma is an important underwriting consideration for life insurance. It suggests a more severe form of asthma and may indicate higher mortality risk. As a result, individuals with a history of hospitalization for asthma may receive substandard loadings, depending on the severity of their condition and other underwriting factors.

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Q. What is the potential impact of a history of hospitalization for asthma on life insurance underwriting?
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