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The above two factors can be compromised by psychological compulsions (eating disorders such as exercise bulimia, anorexia, and other bulimias), misinformation, a lack of organization, or a lack of motivation. Rather, the underwriter considers the size and turnover of the group, and the financial strength of the group. Therefore, in the assessment process it is critical to make the best educated guesses possible in order to properly prioritize the implementation of the risk management plan.
The fundamental difficulty in risk assessment is determining the rate of occurrence since statistical information is not available on all kinds of past incidents.
Sure bad things happen. However, treating insureds differently when there is no actuarially sound reason for doing so is unlawful discrimination.
What is often missing from the debate is that prohibiting the use of legitimate, actuarially sound factors means that an insufficient amount is being charged for a given risk, and there is thus a deficit in the system. Premiums and available benefits for individual coverage vary considerably between different companies, for individuals in different occupations, and by State and Country. The textile garments typically take less time to dry out, whereas leather gear may remain wet (and cold) for
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