Which of the following is a major type of health insurance underwriting?

Group underwriting is a major type of health insurance underwriting because it focuses on assessing the health risks associated with a group of individuals, typically through an employer, rather than evaluating each individual separately. In group underwriting, the insurer considers the collective risk of all members within the group, such as their average age, health status, and claims history, to determine premiums and coverage terms. This approach helps to streamline the insurance process, reduce administrative costs, and often provides more favorable rates compared to individual underwriting.

Disability underwriting, while also important, pertains specifically to assessing the risks associated with an individual's ability to work due to illness or injury, rather than overall health coverage for groups. Liability and property underwriting focus on different types of insurance entirely—liability underwriting deals with the risk of legal responsibility for damages, and property underwriting evaluates risks connected to physical assets. Therefore, they do not fall under the umbrella of health insurance underwriting.