What type of information is typically NOT considered for insurability?

The type of information that is typically not considered for insurability is the applicant's personal appearance. Insurability assessments mainly focus on factors that are relevant to the risk of loss for the insurer, such as the applicant's health and lifestyle. Medical history provides insight into past and current health conditions, which can influence the likelihood of future claims. Family health history can reveal genetic predispositions to certain illnesses, helping insurers gauge risk levels. Lifestyle choices, which encompass activities such as smoking, drinking, and engagement in hazardous activities, are also critical since they can significantly impact an individual's health and longevity.

In contrast, an applicant's personal appearance is subjective and does not provide concrete information about their health status or risk factors. Insurance underwriting relies on measurable and verifiable data to make informed decisions about coverage and premium rates, leading to the conclusion that personal appearance is not a relevant criterion in these assessments.