A frailty assessment evaluates functional status in older adults using measures such as gait speed,grip strength, unintentional weight loss, exhaustion, and activity levels. It predicts morbidity and mortality risk and is widely used in clinical and underwriting settings. Documented frailty may cap preferred classes or lead to ratings; improvement through therapy or interventions can support better outcomes.

For older-age cases, advisors obtain mobility notes and ADL status. Demonstrated improvement viatherapy can support better classes; applications may be timed after functional gains.