The form should ask questions like income, number of siblings, pre-existing medical conditions etc. Ideally, users should require a password which will be eMailed to them. Anything under 100k is inadequate. Never include any contact information. Unless it's on level 8 of your site.
Bad spelling is more difficult than it appears, but homonyms usually escape spell-checking.
With the degradation of written American, it can actually be quite difficult to come up with prose which is riddled with spelling errors which doesn't look OK to the average user. Adverbs are fertile ground. Chances are, in attempting improper usage, you will stumble upon the correct usage. Use frames in profusion, no less than five per page. In fact, when we got there, we wondered why we'd bothered.