If an applicant has a problem with calcium deposits on the knee, the insurance company will most likely do which of the following?

When an applicant presents a medical condition, such as calcium deposits on the knee, insurance companies assess the risk associated with that condition. In this case, issuing the policy with an impairment rider is a common practice. An impairment rider allows the insurer to cover the applicant while excluding specific conditions that are problematic or have the potential to lead to claims. This approach mitigates the insurance company’s risk while still providing coverage to the applicant.

An impairment rider typically indicates that the insurer acknowledges the condition but also recognizes that it is not severe enough to warrant an outright denial of coverage. This solution is often more favorable than denying coverage altogether, as it allows the applicant to have insurance while managing any existing health issues. Thus, issuing the policy with an impairment rider is a reasonable and common practice in the insurance industry for applicants with certain medical conditions.