For insurance underwriting purposes, any aspect of a proposed insured's present health, medical history, health habits, family history, occupation, or other activities that could increase that person's expected mortality risk. TO TOP

a disability under the ADA only if it substantially limits one or more major life activities

An alteration of health status, assessed by objective medical criteria. This is a medical finding.

Any aspect of the health, occupation, activities, or life-style of a proposed insured that could increase his or her expected mortality or morbidity. | Back

An alteration in health status that is assessed in a medical context. Impairment does not automatically result in disability.

Any aspect of a proposed insured's health, occupation, activities, or lifestyle that could increase his or her expected mortality or morbidity.

For life and/or health insurance purposes, an injury, physical ailment, condition or disability that negatively affects a person's risk rating and possibly insurability.

Health conditions, ageing, and traumatic events can all result in impaired capability. Whether this gives rise to disability is determined by social and environmental factors, and importantly the design of environments, products, systems and services.