In short - anyone can apply, in truth - the less risky are accepted. All customers who want to arrange life insurance will need to answer questions about their health, medical background and lifestyle. Based on the answers to these questions, you may be required to undertake a medical examination and interview with a qualified doctor or nurse.
Each insurance company has its own criteria for acceptance based on risk, and not everyone will be accepted for life cover. You must declare any health issues on your insurance application, as failure to do so could result in your policy being invalidated. This could have serious implications in the event of your death, meaning your loved ones are left with nothing.