Which of the following is a reason that may cause an insurer to decline coverage?

Choosing to decline coverage based on a high-risk occupation is justifiable for insurers, as certain jobs inherently pose greater risks, leading to a higher likelihood of claims. Insurers assess the risk associated with occupations when determining whether to provide coverage. Professions that involve significant hazards, like construction, firefighting, or piloting, may lead to adverse underwriting decisions, as these roles can result in more frequent or severe claims.

While non-payment of premiums is also a valid reason for denial, it pertains more to the policyholder's compliance rather than the risk assessment process. Consultations with agents and claims assistance requests do not typically factor into an insurer's decision to decline coverage, as they relate more to customer service and support rather than evaluating the financial risk presented by an applicant's occupation.