All of the following are underwriting criteria for individual life insurance EXCEPT

Gender is a significant underwriting criterion because statistical data indicates that life expectancy and risk factors can vary between men and women. Insurers often use gender to assess risk and determine premium rates, as it is a reliable demographic factor linked to health outcomes.

Occupation is an important underwriting criterion since certain jobs carry higher risks than others. For instance, individuals in hazardous occupations may face increased mortality risks, leading insurers to adjust premiums accordingly. This criterion helps insurers evaluate the likelihood of claims based on occupational hazards.

Ability to pay premiums is a crucial underwriting consideration, as it determines whether a client can maintain their policy over time. Insurers assess an applicant's financial stability to ensure that they can consistently meet premium obligations, which directly impacts policy sustainability and risk management.