Which of the following is a potential factor leading to increased claims in insurance?

A low credit score can indeed be a potential factor leading to increased claims in insurance. Insurance companies often use credit scores as one of the elements in their underwriting process because there is a correlation between a person's financial management behaviors and their likelihood of filing claims. Individuals with lower credit scores may be perceived as higher risk, leading insurers to anticipate a greater probability of claims.

In contrast, higher income, stable employment, and a healthy lifestyle typically signify more responsible behavior and lower risk. Individuals who are financially stable or maintain good health are generally less likely to file claims due to accidents or health issues. Thus, these factors are often associated with lower insurance premiums rather than an increase in claims.