Lisa (35, single, no dependents) and Ben (38, married with two young children) are both applying for $1,000,000 of life insurance. Lisa works a low-risk office job, while Ben is a roofer. Assuming similar health statuses, why would Ben likely be subject to more stringent underwriting and potentially higher premiums than Lisa?

Question: Lisa (35, single, no dependents) and Ben (38, married with two young children) are both applying for $1,000,000 of life insurance. Lisa works a low-risk office job, while Ben is a roofer. Assuming similar health statuses, why would Ben likely be subject to more stringent underwriting and potentially higher premiums than Lisa?

Answer options: ✅ Ben's occupation as a roofer is considered a higher mortality risk than Lisa's office job.

• Ben's marital status and dependents automatically trigger higher premiums.
• Lisa's single status means she needs less coverage, simplifying underwriting.
• Ben's age is a significant factor in higher premiums.

Correct answer: Ben's occupation as a roofer is considered a higher mortality risk than Lisa's office job.

Explanation: Occupation is a key factor in underwriting, and hazardous occupations like roofing carry a higher risk of accidental death or disability, leading to more stringent underwriting and potentially higher premiums compared to lower-risk office jobs.