Question

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

a.

Family environment significantly impacts mortality risk.

b.

Adverse family history indicates potential occupational hazards.

c.

Certain diseases can be inherited, posing risks.

d.

It has no impact on insurance decisions.

Answer: (c).Certain diseases can be inherited, posing risks. Explanation:Adverse family history may indicate a higher risk of hereditary diseases, which can influence insurance decisions.

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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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