Insurance companies ask various questions regarding your age, health, family medical history, and lifestyle. Insurers typically require a medical exam, and conduct a background check, a review of your driving habits and record, and consult third-party sources. That process is called full underwriting.
Not all policies require that level of underwriting. For instance, accelerated underwriting and simplified issue policies forgo a medical exam. In a simplified issue policy, you only need to answer a handful of health-related questions.
There are also guaranteed issue policies, which don’t require an exam or questions. Guaranteed issue policies are often more expensive than other types but are the only way to get coverage for some applicants. Guaranteed issue policies include final expense life insurance.