Underwriters consider a proposed insureds medical, personal, and financial risk factors. A proposed insured who has a record for reckless driving constitutes a risk factor most likely categorized as a $($financial $/$ personal$)$ risk factor. Risk assessment in life insurance is primarily concerned with $($mortality $/$ morbidity$),$ which is the incidence of death among a specified group of people.financial $/$ mortalityfinancial $/$ morbiditypersonal $/$ mortalitypersonal $/$ morbidity