A life insurance application can be rejected based on various factors. Which of the following is NOT a valid reason for rejection?

The rejection of a life insurance application can be based on various factors that typically relate to the applicant's risk profile. Health history is a standard criterion; underwriters review medical records and pre-existing conditions to evaluate how likely a person is to file a claim. Occupation is also considered since certain jobs may involve higher risks that could lead to more claims. Age is a significant factor as well, with older applicants often facing higher premiums or potential rejections due to the increased likelihood of mortality.

Gender, however, is generally not a valid reason for rejection in the context of life insurance applications. While rates may vary between genders due to statistical factors related to life expectancy, insurers typically do not reject applications outright based solely on gender. Rejecting an application based on gender could also violate anti-discrimination laws, such as the Equal Credit Opportunity Act, which protects applicants in various aspects of life insurance.