A telephone interview from an insurance company during underwriting is routine and doesn't mean there is anything wrong with your application. False or misleading information on an application could void any policy you are issued, or it could reduce or nullify the benefits paid to your beneficiary. If you apply for widely differing policy types and amounts from different companies, you won't be able to make valid comparisons of offers. Don't be pressured into including a check with your applications - you don't have to in order to get offers. Don't expect to be examined by your personal doctor.
Insurance companies have their own, approved network of examiners.
Direct your agent to provide written documentation of any and all coverage offers that result from your applications. Request a letter of explanation from any company that rates or declines you. Choose the offer that gives you the most insurance coverage and policy guarantees for the least cost. Regardless of the offers, have the insurance company send the results of all exams, tests, and lab work to your doctor for your files. All offers, even declines, may be negotiable, especially if large sums of money are involved.