Which factor is NOT considered in group underwriting?

In group underwriting, the focus is primarily on the characteristics of the group as a whole rather than on individual members. The specific medical history of each member is not considered during the underwriting process because group insurance relies on the statistical likelihood of loss across the group instead of evaluating individual risk profiles. This allows for a more streamlined and often more affordable approach to insurance, recognizing that while some members may have higher risk, as a collective, the group averages out risk factors.

In contrast, factors like the age of group members, the total number of claims made by the group, and the location of the group members are all crucial to assessing the overall risk associated with providing coverage to the group. Age can significantly impact health risks and insurance premiums, the total number of claims indicates the group's overall experience regarding claims, and location can affect healthcare costs and access to services. Collectively, these factors help insurance providers evaluate the risk and set appropriate premiums for the entire group.