Q. When does the amount of insurance raise concerns for an underwriter?

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Q. What percentage of an individual's annual income is generally considered acceptable for life insurance premiums?

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Q. Why does the age of the proposed insured raise concerns for underwriters?

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Q. What kind of special reports might life insurers request for high sums assured or advanced age proposals?

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Q. In which situation might an underwriter inquire further about a proposal?

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Q. Why might an underwriter inquire about a proposal made at a branch located far away from the proposed insured's residence?

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Q. What is the primary source of occupational hazards that can affect insurability?

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Q. Which of the following is an example of a health hazard related to an occupation?

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Q. What may be required of an applicant for insurance if their occupation falls under a hazardous category?

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Q. In the context of underwriting, what is a "flat extra" related to an applicant's occupation?

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Q. What lifestyle and habit factors are considered important in underwriting?

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Q. How do insurance companies differentiate between smokers and non-smokers in terms of premiums?

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Q. Which of the following is considered a lifestyle risk related to alcohol?

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Q. What does "substance abuse" refer to in the context of lifestyle and habit risks?

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Q. Which of the following is an example of moral hazard?

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Q. Which aspect of family history is considered in medical underwriting to assess mortality risk?

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Q. What is one of the key factors evaluated in medical underwriting?

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Q. Why do life insurers need to be cautious when dealing with individuals having adverse family history?

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Q. What is the significance of personal history in medical underwriting?

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Q. What type of report may be called for individuals with adverse family history in medical underwriting?

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