Which of these is NOT considered to be a risk factor in life insurance underwriting?

• A. Number of children
• B. Age
• C. Health status
• D. Smoking status

Answer: (A)

Underwriting in life insurance looks at how likely it is that the insured will die within the policy term, so factors that actually influence mortality risk are used to set premiums. Age is a major predictor because mortality risk increases with each passing year. Health status reflects current medical conditions and overall wellness, which directly affect life expectancy. Smoking status is a strong risk multiplier due to the many health problems linked to tobacco use. The number of children, however, does not change an individual’s own mortality risk, so it isn’t used to determine risk class or premiums. It may influence coverage needs or policy design—how much benefit is appropriate to protect dependents—but it doesn’t affect the underwriting risk assessment.