You are an underwriter at a life insurance company. A proposal is received for a ₹ 50 lakh term life insurance policy, from a 35-year-old highly paid software engineer. He works with a leading software company. He is non

CS Professional · Banking and Insurance - Laws and Practice · PYQS · December 2025
You are an underwriter at a life insurance company. A proposal is received for a ₹ 50 lakh term life insurance policy, from a 35-year-old highly paid software engineer. He works with a leading software company. He is non-smoker, married with two children. He does not have any known bad habits. Medical exams and lab tests were completed as part of the underwriting process and shows the following details: BMI: 35 (obese) Blood pressure: Slightly elevated (150/90) Cholesterol: Within normal limits No known chronic illnesses. Family history: Father died of a heart attack at age 50; mother is alive and is of good health. Engages in trekking twice a year. Based on the above situation: Identify three risk factors in this application that may affect the underwriting decision.

Answer & Explanation:

Risk Factors: Obesity (BMI of 31): Associated with increased risk of heart disease and other health conditions. Family History: Premature cardiac death (father at age 50) may indicate hereditary risk. Elevated Blood Pressure (150/90): Indicates early-stage hypertension, a major mortality risk factor. Hobby: Recreational trekking indicates additional accidental death risk.

Topics: Life Insurance Underwriting

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