Please answer the following questions.

1. How does a suicide clause work in life insurance? Why are life insurance cases frequently incontestable?
2. Why would an insurance policy ever have a double indemnity rider?
3. How are mortality and morbidity tables used in pricing life insurance?
4. Please list six factors used in life insurance underwriting. Indicate if it is under the insureds control or not. How could this information be verified?
5. When actuaries are calculating insurance premiums; what are six factors that are included in the calculation, (please include three that are not personal characteristics of the insured?)
6. How is life insurance pricing a binomial problem?