Which one of the following is NOT a characteristic of a good applicant for insurance?

A good applicant for insurance is typically someone who demonstrates responsibility and reliability across various aspects of their life. Characteristics that are highly sought after include having a good driving record, which indicates safe driving habits; maintaining a consistent work history, reflecting stability and reliability in their professional life; and showing financial responsibility, which suggests that the individual is capable of managing their finances and meeting financial obligations.

While paying the premium in cash may seem like an aspect of financial responsibility, it is not a specific characteristic that directly correlates to being a good applicant for insurance. Insurance providers are more concerned with a person's overall risk profile, which includes their driving history, employment consistency, and financial behavior rather than the payment method for premiums. Therefore, the first choice does not align with the other traits that signify a good applicant’s ability to manage their insurance commitments effectively.