All of these are considered key factors in underwriting life insurance EXCEPT

• A. Age
• B. Health history
• C. Occupation
• D. Marital Status

Answer: (D)

Underwriting life insurance focuses on factors that directly affect a person’s mortality risk and thus the premium. Age is fundamental because mortality risk rises as people get older. Health history matters because past illnesses, current medical conditions, and family health patterns influence life expectancy. Occupation matters when a job carries higher physical danger or stress, which can increase the likelihood of death during the term of the policy.

Marital status, on the other hand, doesn’t have a direct, measurable impact on a person’s risk of dying. It’s more of a financial-planning detail and beneficiary designation consideration rather than a factor used to price the policy. So it isn’t treated as a core underwriting factor in determining rates or coverage.