Underwriting criteria must relate to risk assessment or policy performance.
Permissible factors.
Gender: Historically used where actuarially justified.
Occupation: Reflects hazard exposure.
Ability to pay premiums: Ensures policy sustainability.
Prohibited factors.
Religion is a protected characteristic and cannot be used in underwriting.
Maryland anti-discrimination rules.
Maryland prohibits unfair discrimination unrelated to actuarial risk.
Conclusion.
Religion is not a lawful underwriting criterion.
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