General Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
An applicant for individual health insurance has high blood pressure that is not well controlled. From an underwriting perspective, this condition is best treated as a:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Uncontrolled high blood pressure is a physical condition that increases the probability of serious illness such as heart attack or stroke, so it functions as a hazard. Underwriters evaluate such conditions to estimate expected claim costs, often resulting in a substandard rating, a preexisting condition exclusion, or a decline. The disease it may produce is the peril; the possibility of medical loss is the exposure.
Why the other options are wrong
- B) The peril is the heart attack or stroke the condition may cause, not the blood pressure itself.
- C) The loss exposure is the chance of medical expenses; the blood pressure is the condition influencing it.
- D) Consideration is the premium and the insurer's promise, entirely unrelated to health status.
Memory hook
Blood pressure is a hazard with a pulse; the heart attack it invites is the peril.