All of the Following Are Arguments in Favor of Using

question 6

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 and rating eliminates price discrimination against minority groups when they purchase insurance.
• 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.

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Definitions:

Mammary Lobules

Glandular structures within the breast that contain clusters of milk-producing alveoli; they are responsible for milk production during lactation.

Prolactin

Hormone secreted by the anterior pituitary that stimulates the production of milk from the mammary glands.

Lifestyle Choices

Decisions made by individuals regarding their daily habits and practices, affecting their health and well-being.

Antioxidant Enzymes

Enzymes that help protect cells from the damage caused by oxidative stress.