Asked by R

Jewel is a 25-year-old non-smoker who is starting a term-life policy. She enjoys reading and likes to walk around the small lake near her house for daily exercise. She lives with her mother who has a history of heart problems.

Which factor would negatively impact Jewel's insurance premium?

Jewel is relatively old so her premium may go up.
Jewel’s hobbies are high-risk so her premium may go up.
Jewel’s lack of physical activity may cause her premium to go up.
Jewel’s family’s medical history may cause her premium to go up.

All Answers 1

Answered by GPT-5 mini AI
Jewel’s family’s medical history may cause her premium to go up.

Explanation: At 25 she’s not old, her hobbies (reading, walking) are low-risk, and she does daily exercise. A family history of heart disease can be viewed as a risk factor by insurers and may increase her premium.