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Morbidity tables are essential tools used in the insurance industry to predict the likelihood of policyholders becoming disabled or suffering from health impairments during a specific period. These tables compile statistical data regarding the rates of illness and injury in a given population, helping insurers assess the risk associated with providing coverage to individuals.

By understanding the probability of disability, insurers can set premiums more accurately, determine policy terms, and ensure they have adequate reserves to cover potential claims. The focus on disability and health conditions distinguishes morbidity tables from mortality tables, which instead target life expectancy and death rates.

In contrast, the other options, while relevant to the broader context of insurance, do not specifically align with the purpose of morbidity tables. Claims filed are a consequence of disability but do not directly reflect the predictive aspect of morbidity. Overall health accounts for general well-being, which is broader than the specific focus of morbidity data. Finally, average life expectancy pertains to mortality metrics rather than morbidity statistics, underscoring the importance of understanding the different types of tables in the insurance landscape.