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There are a lot of different behavioral factors that underwriters need to consider when you apply for a Mortgage Life Insurance Policy. One of these factors is your driving history. Consider how much careless driving, speeding, and driving under the influence can increase your risk of death behind the wheel. That type of driving history can indicate to an insurance company that you might be riskier to cover than your health lets on.
That's why underwriters often pull a motor vehicle report (MVR) on Mortgage Life Insurance Policy applicants. This allows the underwriter some insight into your driving history and determines whether or not your driving behavior makes you riskier to cover with a Mortgage Life Insurance Policy. If it does, it could result in a higher premium or even Mortgage Life Insurance Policy denial.