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:

Intellectual Disability

A condition characterized by significant limitations both in intellectual functioning and in adaptive behavior, which covers many everyday social and practical skills.

IQ Score

A measure of a person's cognitive abilities in relation to their age group, often used to assess intellectual potential and capacity.

Intellectual Disability

A developmental condition characterized by significant limitations in both intellectual functioning and in adaptive behavior, which covers a range of everyday social and practical skills.

IQ Score

A measure of a person's cognitive abilities compared to the population, typically derived from standardized tests.