Which of the following is a factor that could negatively influence risk assessment in underwriting?

The factor that could negatively influence risk assessment in underwriting is heavy past claims. Underwriters evaluate the claims history of an individual to assess their risk level. A record of numerous or significant past claims indicates a higher likelihood of future claims, which would lead to an increased perception of risk. This could negatively affect the underwriting decision, resulting in higher premiums or potential denial of coverage.

In contrast, healthy lifestyle choices, consistent saving habits, and driving history generally reflect positive attributes. While driving history can have implications for risk assessment, particularly with regard to auto insurance, it does not inherently produce the same negative impact as a history characterized by heavy past claims.