All of the following may be used as selection criteria in individual life insurance underwriting...

Purpose of underwriting selection criteria.

Underwriting evaluates risk factors that affect life expectancy and mortality.

Evaluate each option.

A. Age

A fundamental actuarial factor.

B. National origin

Prohibited. Maryland and federal law prohibit discrimination based on national origin.

C. Health status

A core underwriting factor.

D. Smoking habits

A valid mortality-related risk factor.

Maryland anti-discrimination rules.

Maryland law prohibits unfair discrimination unrelated to actuarial risk.

Conclusion.

National origin may not be used as an underwriting selection criterion.