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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Q. What is a person's build in the context of medical underwriting?

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Q. What does high blood pressure indicate in medical underwriting?

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Q. What does backdating mean in the context of insurance policies?

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Q. What can the specific gravity of urine indicate in medical underwriting?

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Q. What does it mean when a person's chest is expanded by at least four centimeters in the context of build?

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Q. What is one purpose of backdating an insurance policy?

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Q. How can backdating be beneficial in terms of the premium?

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Q. Why might someone backdate their insurance policy to coincide with their birthday or anniversary?How does backdating affect the tenure of an insurance policy?

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Q. Why might someone backdate their insurance policy to coincide with their birthday or anniversary?

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Q. What scenario might make someone consider backdating their insurance policy to the period of maximum earnings?

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Q. What is the purpose of risk classification in underwriting?

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