LESSON 18: HEALTH INSURANCE UNDERWRITING

Section 18.1 Review

The most important key factors evaluated in the health insurance underwriting process are:

	a)	medical history and age.
	b)	age and occupation.
	c)	occupation and income.
	d)	medical history and occupation
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Section 18.1 Review

In health insurance underwriting when classifying risk, the three most important factors are:

	a)	Physical condition, moral hazards, and occupation.
	b)	Moral hazards, occupation, and age.
	c)	Occupation, age, and medical history.
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Moral hazards are personal habits such as alcohol or drug use.

	a)	True
	b)	False
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If a change of occupation occurs without the company's knowledge and a claim is filed, the company cannot adjust the benefit amount. That is why it is important for agents to monitor client employment.

	a)	True
	b)	False
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Genetic information or testing always includes routine physical examinations.

	a)	True
	b)	False
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