What non-health factors should be considered in personal underwriting?

When underwriting children under 3 years old, they usually consider their health status at birth, such as health score, vaccination, congenital diseases and so on.

When underwriting children aged 4~ 12, they usually focus on their intellectual development and physical development.

When underwriting teenagers aged 13- 18, physical development and the incidence of familial hereditary diseases are usually considered.

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