Which of the following may insurers use in their underwriting?

Insurers may use family medical history in their underwriting processes because it provides valuable insights into an individual's potential health risks and likelihood of developing certain medical conditions. This information helps insurers assess the risk associated with providing coverage to a particular applicant. Family medical history can indicate hereditary conditions that may affect a person's health in the future, allowing insurers to determine appropriate premium rates or to decide on coverage eligibility.

While other factors like ancestry, genetic characteristics, and national origin may influence health risks, they are often subject to stricter regulations to prevent discriminatory practices in underwriting. The focus on family medical history is more standardized and widely accepted in the insurance industry, making it a relevant factor for insurers when evaluating an applicant’s health profile.