Which factor is typically considered in the underwriting and rating of an individual disability income policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Disability income underwriters classify applicants primarily by occupation, because a surgeon, a construction worker, and an office manager face very different disability risks, along with age, gender, health history, and avocations such as hazardous hobbies. Occupation classification is a central rating factor since the risk of disability varies widely with the work performed, and it directly shapes both the premium and the benefit period the insurer will offer. Unfair discrimination based on race, national origin, and similar protected classes is prohibited, and factors such as existing life insurance holdings are not disability rating inputs.
Why the other options are wrong
- B) Race and national origin are prohibited bases for underwriting discrimination under the law, not permissible rating factors for any coverage. 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。
- C) Existing life insurance coverage does not determine the insured's disability risk or the disability premium, so it is not a rating input. 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。
- D) Marital status alone is not a rating factor; occupation, age, health, and avocations are the inputs the underwriter actually evaluates. 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。
Memory hook
Disability rating = occupation, age, health, hobbies. The risk follows the job, not the person's label.