The underwriting department for Shamayim Life and Casualty Company definitely takes tzinius into account as a risk factor, along with the applicants overall status as a shomer/shomeret torah umitzvos with special consideration of their ahavas yisroel and sinas chimam points. Yidden with a history of insulting and demeaning posts against other yidden in the CR may still qualify for a term policy but it is considerably more expensive and is subject to annual renewal.
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