The underwriting process consists of completing an application either online, on the phone, or by paper that asks a series of medical and lifestyle questions. If you have no health or lifestyle issues this might be it for you – your file gets approved, and your underwriting is complete.
As you get older or if you apply for large amounts of life insurance, insurance companies usually require a visit with a nurse to check your blood, urine, vitals, and typically the nurse asks you a series of medical questions.
After a nurse visit, the insurance company may come back asking additional questions on any health issues.  In some cases, instead of asking you more questions, they may go straight to your doctor and ask them – this is not uncommon and happens quite frequently. Once all information is gathered, the insurance company will provide you with a decision.  This could be approved, declined, or approved with a rating, such as an increase in price due to something found during underwriting that puts you more at risk.