Fall risk is the likelihood an individual will suffer a fall due to balance, neurologic, or musculoskeletal issues. In underwriting, documented falls, use of assistive devices, or cognitive decline elevate mortality and morbidity expectations, especially for older applicants. Assessment may include gait testing, medication review, and functional notes. Stabilizing factors-physical therapy, home modifications-can improve insurability.

Field underwriting identifies fall indicators-recent fractures, use of canes, dizziness meds-and sets realistic expectations on classes for older ages. Advisors may postpone applications until physical therapy and home modifications reduce risk. Improving stability and documenting progress can materially improve underwriting outcomes.