Which of the following does NOT constitute an adverse underwriting decision?

An adverse underwriting decision generally refers to actions taken by an insurance company that negatively impact a consumer's ability to obtain insurance or lead to higher costs for coverage. This can include denying applications, increasing rates based on risk assessments, or canceling policies.

The situation where coverage limits are increased without imposing additional risk does not constitute an adverse underwriting decision because it represents a favorable action for the insured. By increasing coverage limits without charging higher premiums or identifying new risk factors, the insurer is improving the insured's coverage. This kind of decision reflects a positive underwriting stance rather than an adverse one. It does not create any barriers or increased costs for the consumer, thereby aligning with the concept of non-adverse outcomes.

In contrast, actions like issuing a policy at a higher rate, rejecting an application, or terminating an existing policy all indicate unfavorable changes for the consumer, as they limit access to insurance protection or increase the financial burden.