Which of these is NOT a factor that influences group health insurance underwriting?

The correct answer is the option that indicates physical exams of group members are not a factor influencing group health insurance underwriting. In group health insurance, underwriting is typically based on the collective characteristics of the group rather than on individual health assessments. This means that factors such as the size of the group, the overall claims experience of the group, and the types of occupations represented are more pertinent to the underwriting process.

The number of individuals in the group matters because larger groups tend to have more predictable claims patterns, leading to more stable premiums. A group's claims experience reflects how much the group has paid out in claims historically, which insurers use to assess risks and set premiums accordingly. The type of occupation can also influence underwriting, as different occupations may have varying health risks associated with them, impacting the likelihood of claims.

In contrast, physical exams are typically more relevant to individual health insurance underwriting, where the insurer assesses an individual's specific health status and risks rather than evaluating a collective group. Thus, physical exams are not typically a factor in determining the terms of group health insurance policies.