Which factor is primarily assessed in the 'dual underwriting process'?

In the dual underwriting process, both quantitative and qualitative assessments are evaluated to determine the risk associated with an applicant for life insurance. Quantitative assessments involve measurable data, such as medical history, lab results, age, and lifestyle factors like smoking or physical activities. These numerical values help underwriters quantify the risk of insuring an individual.

On the other hand, qualitative assessments look at the more subjective factors that can influence insurability, such as an applicant's occupational risks, personal habits, lifestyle choices, and even the context of their medical history.

By combining these two types of assessments, underwriters gain a comprehensive understanding of the applicant's risk profile, leading to more informed decision-making and tailored insurance offerings that better fit the individual’s circumstances. This holistic approach ensures that both the hard data and broader personal factors are considered in the underwriting decision.