This focus is taking a similar approach, by showing how someone is a higher risk because of their ethnicity. These views are not considering the lifestyle choices they are engaging in such as: physical activities, their diet, if the person is a smoker or drinks alcohol. (Bombak 2012)
Instead, they will use this category to automatically rate indigenous people higher largely based upon this variable. From an ethical perspective, one could argue that insurance companies are discriminating against this segment of the population without taking into consideration other factors. This makes it difficult for this demographic to locate and obtain affordable life insurance because of these views. When this happens, it means that there is a realistic possibility they will have no protection against uncertainties for their families. Over the course of time, this will increase the overall amounts of financial hardships indigenous people will face because of these challenges. (Bombak 2012)
Recommendations for Addressing these Issues
The best way to deal with these issues is to force insurance companies not to rely so much on mortality rates. Instead, they must show that there are other variables which are considered when determining the premiums they will charge for life insurance. For instance, in the process of underwriting an applicant, who is from an indigenous background; they need to demonstrate alterative factors that influenced their decision (i.e. lifestyle choices and age). This means that...
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