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

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: What will be a likely underwriting decision (e.g., standard, rated, postpone, decline) ? Justify your recommendation.