Why do underwriters consider the applicant's age and physical characteristics, such as height and weight, heart rate, and blood pressure, for life and health insurance?

Underwriters consider the applicant's age and physical characteristics, such as height and weight, heart rate, and blood pressure. Underwriters will also consider the probability of death at certain ages as the result of tobacco use, certain health problems, or even jumping out of airplanes

they united the colonies in their fight against the british.

i would go with the last one