Sub-Standard Risk

When someone is expected to live a shorter amount of time as other unimpaired people of the same age, they are said to be a sub-standard risk. Some factors that influence risk are physical condition, family or personal history of disease, occupation, lifestyle, participation in risky past-times, hobbies or sports, and other factors that my decrease the life-span of the proposed insured. Standard risk can also be referred to as average risk.

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