All of the Following Are Arguments in Favor of Using

question 42

Multiple Choice

All of the following are arguments in favor of using an applicant's credit record in personal lines underwriting EXCEPT

• A)Most consumers have good credit records and benefit when credit history is used as a rating factor.
• B)Use of credit data in underwriting or rating discriminates against certain groups.
• C)Underwriting and rating may be more consistent if applicants' credit histories are considered.
• D)There is high correlation between an applicant's credit record and future claims experience.

---

Definitions:

Middle Childhood

A developmental stage that encompasses approximately the ages 6 to 11, characterized by growing independence, developing friendships, and increased cognitive skills.

Myelination

The process of forming a myelin sheath around the axons of neurons to insulate them and increase the speed of nerve impulse transmission.

Weight Loss

The process of reducing body weight, typically through diet, exercise, or a combination of both.

Behavioral Model

A framework used in psychological studies that emphasizes the importance of observing and analyzing observable behaviors and their responses to environmental stimuli.