Substandard risks - These are the ones whose anticipated morbidity is higher than the average, but are still considered to be insurable. Higher Premiums
Declined risks - These are the ones whose impairments and anticipated extra morbidity are so great that they could not be provided insurance coverage at an affordable cost.
Field level underwriting may also be known as primary underwriting. It includes information gathering by an agent or company representative to decide whether an applicant is suitable for granting insurance coverage
The second level of underwriting is at the department or office level. It involves specialists and persons who are proficient in such work and who consider all the relevant data on the case to decide whether to accept a proposal for insurance and o
Some of the factors which affect a person's morbidity are age, gender, habits, occupation, build, family history, past illness or surgery, current health status and place of residence.
MODELEXAM® 
www.realsoftinfoplan.com