Underwriting of life insurance is the process used by insurance carriers to analyze the risk presented by an applicant for coverage and determine if the person should be accepted for coverage, how much insurance to insure the person for, and at what premium.

There are factors considered when underwriting life insurance, including the applicant's age, gender, health, occupation, hobbies, lifestyle, tobacco use, driving record, among other things.

These risk factors help the life insurance compan...
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