[amp_mcq option1=”An IT manager in TCS” option2=”A bank officer for a large sum proposed” option3=”A worker aged 50 in an underground coal mine” option4=”A manager in a shopping mall” correct=”option3″]
The correct answer is C. A worker aged 50 in an underground coal mine.
Non-medical underwriting is a type of insurance underwriting that does not require the applicant to undergo a medical exam. This type of underwriting is typically used for lower-value policies or for people who are considered to be low-risk.
There are a number of factors that can affect whether or not an applicant will qualify for non-medical underwriting, including age, health, occupation, and lifestyle. In general, people who are considered to be high-risk are not eligible for non-medical underwriting.
A worker aged 50 in an underground coal mine is considered to be a high-risk applicant because of the dangerous nature of their occupation. The risk of death or serious injury in an underground coal mine is much higher than in other occupations. As a result, insurance companies are more likely to require a medical exam for these applicants.
The other options are all considered to be low-risk applicants. An IT manager in TCS is a white-collar worker with a desk job. A bank officer is also a white-collar worker, and they typically have a clean bill of health. A manager in a shopping mall is a low-risk occupation because there is little physical danger involved.
Therefore, the correct answer is C. A worker aged 50 in an underground coal mine.