From an underwriting perspective, there is a lot of info to review and comb through. These primarily have to deal with the individual’s health and health history. However, they also can include other aspects of the applicant’s life, such as his or her family health history, their hobbies and habits, and other life insurance plans.
The primary reason that the underwriters check on these issues is to determine the individual’s anticipated life expectancy. They need to know exactly how much “risk” they are taking when giving someone life insurance.
We want to help our clients with a depression of history get the best possible life insurance.