What do mortality or morbidity tables show concerning premium increases for certain health conditions?

Mortality or morbidity tables are essential tools in the insurance industry that help underwriters assess the risk associated with specific health conditions. These tables provide statistical data about the likelihood of death (mortality) or illness (morbidity) based on various factors, such as age, gender, and existing health issues.

When it comes to premium increases for individuals with certain health conditions, these tables indicate the additional risk posed by those conditions. As a result, insurers often apply an extra percentage on premiums for individuals who fall into higher-risk categories as identified by the tables. This is crucial for the insurer to ensure that they can cover potential claims arising from these higher risks. Therefore, the correct answer highlights that the tables show extra percentage tables, reflecting the premium increases tied to specific health conditions.

The other response options do not specifically capture this nuanced relationship between risk assessment and premium adjustments that is central to the function of mortality and morbidity tables in underwriting health insurance.