The Use of an Applicant's Personal Opinions by Underwriters for Rating

question 6

Multiple Choice

The use of an applicant's personal opinions by underwriters for rating criteria directly violates which guiding principle of underwriting?

• A) Separation and class homogeneity
• B) Reliability
• C) Incentive value
• D) Social acceptability

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Definitions:

Spectatoring

The mental act of observing and evaluating one's own sexual performance, which can lead to anxiety and sexual dysfunction.

Sexual Performance

Refers to the execution and quality of sexual activities, often influenced by physical, psychological, and emotional factors.

Western Cultures

Cultures that are primarily associated with Europe, North America, and other places influenced by European immigration and settlement.

Indian Cultures

Diverse traditions, customs, practices, and beliefs originating from and associated with the Indian subcontinent.