Match each life insurance applicant profile to the appropriate underwriting risk classification that corresponds to their expected mortality.
- A 42-year-old software developer with an optimal BMI, exceptional blood pressure, and no adverse family medical history.Preferred Risk
- A 45-year-old applicant with mildly elevated but medically controlled cholesterol, a standard physical build, and no hazardous avocations.Standard Risk
- A 38-year-old construction worker who participates in amateur cliff diving and has a history of moderate asthma.Substandard Risk
- A 55-year-old who experienced a severe myocardial infarction three weeks ago and is currently hospitalized for ongoing cardiac complications.Declined Risk
Cevap
The software developer corresponds to Preferred Risk; the applicant with controlled cholesterol corresponds to Standard Risk; the cliff diver corresponds to Substandard Risk; and the recently hospitalized applicant corresponds to Declined Risk.
Risk classifications are strictly determined by the expected mortality of the applicant. Exceptional health qualifies for Preferred, average and controlled health for Standard, elevated risk for Substandard, and uninsurable hazards for Declined.
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Anahtar Kavram
Underwriting Risk Classification Methods