3.4 Circumstances Affecting the Risk

1. Age — the mortality's core factor (the age's misstatement — the sum's adjustment face). 2. Health — the medical history (the pre-existing conditions' disclosure). 3. Occupation — the hazardous jobs' loading. 4. Habits — the smoking-and-drinking faces (the premium's loading); the moral hazard's lore. 5. The personal history — the foreign travel; the aviation faces; the criminal record's faces. 6. The risk's alteration after issue — the occupation's change; the residence's change (the notification's duty — the U2.6 continuation).