Which factor primarily affects the underwriting of disability income insurance?

The primary factor that affects the underwriting of disability income insurance is the hobbies of the insured. This is because an individual’s hobbies can significantly influence their risk profile. Underwriters assess the potential risks associated with certain activities. For instance, if an insured engages in high-risk hobbies such as skydiving, rock climbing, or motor racing, they may present a higher likelihood of experiencing a disabling accident, which in turn could lead to higher premiums or even denial of coverage.

Other factors, while relevant, do not directly impact the underwriting of disability income insurance in the same way. For example, the amount of life insurance coverage, the number of dependents, and marital status are important considerations in the context of overall financial health and risk assessment, but they are less directly connected to the specific risks associated with potential disability income claims. Therefore, hobbies of the insured are the primary focus for underwriters when evaluating applications for disability income insurance.