13. An individual's physical build is used as an underwriting factor because

mortality rates are substantially higher for:

	1. Tall people.
	2. Sedentary people.
	3. Underweight people.
	4. Overweight people.

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Question 14

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14. In a context of group health insurance, portability means that:

	1. Workers can take their present health insurance coverage with them when they leave their current job.
	2. When workers change jobs, the new employer or health plan must give them credit for prior, continuous health insurance coverage.
	3. The availability of health insurance coverage to all is guaranteed by law.
	4. Discrimination against employees and dependents based on their health is prohibited.