{"id":32597,"date":"2024-04-15T09:04:03","date_gmt":"2024-04-15T09:04:03","guid":{"rendered":"https:\/\/exam.pscnotes.com\/mcq\/?p=32597"},"modified":"2024-04-15T09:04:03","modified_gmt":"2024-04-15T09:04:03","slug":"why-non-medical-underwriting-is-resorted-to","status":"publish","type":"post","link":"https:\/\/exam.pscnotes.com\/mcq\/why-non-medical-underwriting-is-resorted-to\/","title":{"rendered":"Why non-medical underwriting is resorted to ?"},"content":{"rendered":"<p>\r\n    <!-- Check if it's an AMP page -->\r\n            <!-- Non-AMP version -->\r\n        <div class=\"mcq-container\" data-quiz-id=\"quizState_6a9a9a28a3454\">\r\n                                            <div class=\"option\" data-option-key=\"option1\" data-is-correct=\"false\">\r\n                    To verify the income of the proposer                <\/div>\r\n                                            <div class=\"option\" data-option-key=\"option2\" data-is-correct=\"true\">\r\n                    To save on cost of conducting medical exam                <\/div>\r\n                                            <div class=\"option\" data-option-key=\"option3\" data-is-correct=\"false\">\r\n                    To check the antecedents of a person                <\/div>\r\n                                            <div class=\"option\" data-option-key=\"option4\" data-is-correct=\"false\">\r\n                    To satisfy about the health of the proposer                <\/div>\r\n                            \r\n            <!-- Feedback messages for non-AMP -->\r\n            <div class=\"feedback\" data-feedback=\"wrong\">Answer is Right!<\/div>\r\n            <div class=\"feedback\" data-feedback=\"right\">Answer is Wrong!<\/div>\r\n        <\/div>\r\n\r\n        <script>\r\n        document.addEventListener('DOMContentLoaded', function () {\r\n            var containers = document.querySelectorAll('.mcq-container');\r\n\r\n            containers.forEach(function(container) {\r\n                var options = container.querySelectorAll('.option');\r\n                var feedbackSelect = container.querySelector('[data-feedback=\"select\"]');\r\n                var feedbackWrong = container.querySelector('[data-feedback=\"wrong\"]');\r\n                var feedbackRight = container.querySelector('[data-feedback=\"right\"]');\r\n\r\n                options.forEach(function(option) {\r\n                    option.addEventListener('click', function() {\r\n                        var selectedOption = option.getAttribute('data-option-key');\r\n                        var isCorrect = option.getAttribute('data-is-correct') === 'true';\r\n\r\n                        \/\/ Remove previous selections\r\n                        options.forEach(function(opt) {\r\n                            opt.classList.remove('correct', 'incorrect');\r\n                        });\r\n\r\n                        \/\/ Add the correct\/incorrect class\r\n                        if (isCorrect) {\r\n                            option.classList.add('correct');\r\n                            feedbackRight.hidden = false;\r\n                            feedbackWrong.hidden = true;\r\n                        } else {\r\n                            option.classList.add('incorrect');\r\n                            feedbackRight.hidden = true;\r\n                            feedbackWrong.hidden = false;\r\n                        }\r\n\r\n                        \/\/ Hide select feedback\r\n                        feedbackSelect.hidden = true;\r\n                    });\r\n                });\r\n            });\r\n        });\r\n        <\/script>\r\n    \r\n    <!--more--><\/p>\n<p>The correct answer is: <strong>B. To save on cost of conducting medical exam<\/strong>.<\/p>\n<p>Non-medical underwriting is a type of insurance underwriting that does not require the insured to undergo a medical exam. This type of underwriting is often used for life insurance policies with low death benefit amounts or for policies that are designed to cover specific events, such as critical illness or accidental death.<\/p>\n<p>There are several reasons why non-medical underwriting is used. First, it can save the insurer money on the cost of medical exams. Second, it can make it easier for people to get insurance, even if they have health problems. Third, it can speed up the process of getting insurance.<\/p>\n<p>However, there are also some drawbacks to non-medical underwriting. First, it may not be as accurate as medical underwriting in predicting the risk of death or illness. Second, it may not be as comprehensive as medical underwriting in covering all of the potential risks. Third, it may be more expensive for the insured, as the insurer will need to charge a higher premium to cover the additional risk.<\/p>\n<p>Overall, non-medical underwriting is a useful tool for insurers, but it is important to understand the risks and benefits before choosing this type of underwriting.<\/p>\n<p>Here is a brief explanation <div class=\"youtube-subscribe-container\">\r\n        <a href=\"https:\/\/www.youtube.com\/channel\/UCNHT8lW-JmLC68rjBfZhdkg?sub_confirmation=1\" target=\"_blank\" class=\"youtube-subscribe-button\">\r\n            <span class=\"youtube-icon\">\r\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 576 512\">\r\n                    <path d=\"M549.7 124.1c-6.3-23.7-24.8-42.3-48.3-48.6C458.8 64 288 64 288 64S117.2 64 74.6 75.5c-23.5 6.3-42 24.9-48.3 48.6-11.4 42.9-11.4 132.3-11.4 132.3s0 89.4 11.4 132.3c6.3 23.7 24.8 41.5 48.3 47.8C117.2 448 288 448 288 448s170.8 0 213.4-11.5c23.5-6.3 42-24.2 48.3-47.8 11.4-42.9 11.4-132.3 11.4-132.3s0-89.4-11.4-132.3zm-317.5 213.5V175.2l142.7 81.2-142.7 81.2z\"\/>\r\n                <\/svg>\r\n            <\/span>\r\n            Subscribe on YouTube\r\n        <\/a>\r\n    <\/div> of each option:<\/p>\n<ul>\n<li><strong>A. To verify the income of the proposer<\/strong>. This is not the main reason why non-medical underwriting is resorted to. Income verification is usually done through a credit <div class=\"telegram-channel-container\">\r\n        <a href=\"https:\/\/t.me\/pscnotes2025\" target=\"_blank\" class=\"telegram-channel-button\">\r\n            <span class=\"telegram-icon\">\r\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 496 512\">\r\n                    <path fill=\"white\" d=\"M248,8C111,8,0,119,0,256s111,248,248,248s248-111,248-248S385,8,248,8z M362,177L320,367c-3,14-10,18-20,14l-56-41l-27,26 c-3,3-5,5-10,5l4-63L323,196c5-5-1-7-8-3l-98,62l-42-13c-9-3-10-9,2-14l162-63C351,160,365,164,362,177z\"\/>\r\n                <\/svg>\r\n            <\/span>\r\n            Join Our Telegram Channel\r\n        <\/a>\r\n    <\/div> check or other means.<\/li>\n<li><strong>B. To save on cost of conducting medical exam<\/strong>. This is the main reason why non-medical underwriting is resorted to. Medical exams can be expensive, so insurers can save money by not requiring them.<\/li>\n<li><strong>C. To check the antecedents of a person<\/strong>. This is not the main reason why non-medical underwriting is resorted to. Antecedent checking is usually done through a background check or other means.<\/li>\n<li><strong>D. To satisfy about the health of the proposer<\/strong>. This is not the main reason why non-medical underwriting is resorted to. Health status is usually assessed through a medical exam.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Subscribe on YouTube<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[261],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v23.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why non-medical underwriting is resorted to ?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/exam.pscnotes.com\/mcq\/why-non-medical-underwriting-is-resorted-to\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why non-medical underwriting is resorted to ?\" \/>\n<meta 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