Which of the following is typically NOT a criterion for determining a substandard risk?

In assessing substandard risk, insurers typically evaluate various factors that may impact an individual's likelihood of filing a claim. Age, occupation, moral character, and family health history are all significant aspects in understanding the risk profile of an applicant.

The age of the insured is often a fundamental criterion used by insurers, as it can affect mortality and morbidity rates. For example, younger individuals generally present lower risks for certain types of insurance, while older individuals may represent a higher risk due to increased likelihood of health issues. Therefore, age is a factor considered in determining whether someone falls into a substandard risk category.

In contrast, the other criteria mentioned—occupation, moral character, and family health history—are more closely associated with identifying specific risks that could classify an insured as substandard. Occupation can indicate exposure to hazardous conditions or occupational hazards; moral character reflects an applicant's honesty and reliability, which can impact the likelihood of committing insurance fraud; and family health history gives insight into hereditary health issues that may affect the insured's future health.

Thus, while age is indeed a relevant factor in assessing overall risk, it is not typically a criterion specifically used to categorize someone as substandard, as it is more about the potential health impacts rather than directly indicating substandard status