General Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
During health underwriting, an applicant's sedentary lifestyle and poor diet are best classified as:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Lifestyle factors such as a sedentary routine and poor diet are hazards — conditions that increase the likelihood or severity of illness. They do not themselves constitute the illness (the peril) or a realized loss. Underwriters evaluate such hazards to classify the applicant's risk and set appropriate premiums, and in some cases they may factor them into rating decisions.
Why the other options are wrong
- B) The peril would be a disease or injury; lifestyle is a condition raising the chance of that disease, not the disease itself.
- C) These are hazards affecting risk classification; they do not by themselves guarantee standard insurability.
- D) No loss has occurred; the lifestyle factors create a potential for loss, which is the definition of a hazard, not a paid loss.
Memory hook
Diet and desk chairs don't cause the illness — they raise the odds. That is hazard work, not peril work.