AD Banker Comprehensive Practice Exam

Which of the following is an example of a non-medical underwriting condition?

1. Recent surgery

2. Height and weight

3. Family medical history

4. Chronic illness

The correct answer is: Height and weight

Height and weight are considered non-medical underwriting conditions because they do not typically require a medical examination or medical history assessment. Instead, they are basic physical measurements that can be self-reported by the applicant and are used to assess risk profiles for insurance applicants. Insurers often use these metrics to categorize individuals into different risk classes without necessitating deeper medical scrutiny. In contrast, recent surgery, family medical history, and chronic illness involve more complex health considerations that can significantly influence an individual's health profile and need for further investigation by a medical professional. These factors often require more detailed medical documentation or examinations to determine their implications for insurance risk.