Asked by hh
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.
Rationale: She’s young (25) and a non-smoker, and her hobbies (reading, walking) are low-risk—she also gets daily exercise—so those items wouldn’t increase the premium. A family history of heart problems (especially in a first‑degree relative) can raise perceived risk and lead to higher premiums.
Rationale: She’s young (25) and a non-smoker, and her hobbies (reading, walking) are low-risk—she also gets daily exercise—so those items wouldn’t increase the premium. A family history of heart problems (especially in a first‑degree relative) can raise perceived risk and lead to higher premiums.
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