Which of the following is NOT a result of careful marketing and underwriting?

The result that is not a consequence of careful marketing and underwriting is that premium rates are increased. While careful marketing and underwriting efforts are intended to accurately assess risk, manage claims costs, and enhance underwriting standards, increasing premium rates is not a direct result of these efforts. Instead, effective marketing and underwriting should ideally lead to more competitive premium rates as insurers gather better data about risks and tailor their products accordingly.

In contrast, accurate risk assessment ensures that policyholders are categorized correctly based on their associated risks, which can help in setting appropriate premium rates. Managing claims costs effectively can reduce overall expenses for the insurer, potentially allowing for more favorable pricing for customers. Improving underwriting standards typically leads to refined processes and criteria that enhance the insurer's ability to determine risks and price their products appropriately. Therefore, while premium rates may be adjusted in response to various market conditions or financial needs, they are not inherently the intended outcome of careful marketing and underwriting strategies.