What factor commonly affects an individual's classification as substandard risk?

An individual's classification as substandard risk typically hinges on their health status and lifestyle choices. In the context of insurance underwriting, substandard risk refers to applicants whose health or behaviors increase the likelihood of a claim being made, resulting in a higher premium or denial of coverage. Factors such as previous medical conditions, chronic illnesses, smoking, obesity, and other lifestyle habits play a crucial role in this classification.

While membership in a support group may indicate proactive behavior concerning health issues, it does not inherently influence risk classification alone. Historical overseas travel generally pertains more to risk exposure rather than direct health status. Academic qualifications have no relevance to an individual's risk assessment in terms of health or insurance. Therefore, health status and lifestyle choices are the primary determinants of whether someone is classified as substandard risk, making this the correct choice.