What age group may be particularly scrutinized in life insurance underwriting?

Individuals nearing retirement age are particularly scrutinized in life insurance underwriting due to several reasons. This age group typically faces increasing health risks, as age is a significant factor in the likelihood of adverse health events. Underwriters assess the potential lifespan and overall health status of applicants, and those approaching retirement often have a higher likelihood of pre-existing conditions or chronic illnesses that could impact mortality rates.

In addition, insurers may also consider the financial implications of insuring someone nearing retirement. They take into account the amount of coverage requested and how it aligns with the individual's financial responsibilities and income during retirement. This heightened scrutiny reflects the need for insurers to manage risk effectively, ensuring that they can cover claims while maintaining profitability.

The other age groups mentioned may not present the same level of underwriting concern. Individuals under 18 are often viewed as low risk, while those aged 18-25 are typically young and healthy, leading to lower premiums and fewer complications. Individuals over 100, while rare, may also face unique underwriting considerations due to their advanced age, but they are often assessed on a case-by-case basis depending on their health status and the specific insurance company's policies.