Which underwriting considerations are common for Aflac Accident and Hospital Indemnity products?

• A. Age, health status, and sometimes smoking status; state-specific rules may apply
• B. Eye color and height
• C. Favorite hobbies
• D. Geographic region only

Answer: (B)

Underwriting for Aflac Accident and Hospital Indemnity focuses on factors that predict risk and cost of claims. The most common considerations are age, health status, and smoking status, with state-specific rules that may also apply. Age influences eligibility and premium because older individuals generally have higher risk of claims. Health status matters because existing medical conditions or recent treatments can indicate greater likelihood of hospital use or indemnity events, affecting pricing or eligibility. Smoking status is a known risk factor linked to higher health risks and greater likelihood of hospitalization, which can modify premiums or eligibility. Some states have unique regulatory requirements that shape how these products are underwritten. Eye color, height, hobbies, or geographic region alone do not meaningfully predict risk for these products.