How Does Life Insurance Underwriting Work? 
Life insurance underwriting is the art of collecting financial , medical and behavioral information and integrating a composite picture of the proposed insured . This big picture approach can sometimes create extra credits on the underwriters balance to offset potential debits or health items that may cause the premium price to increase based on the risk to the life insurance company . Financial justification must be established for the face amount of insurance amount youre applying for with documentation . Medical information is collected and includes your doctors file , prescription history and the results of a paramed exam . These items help develop the mortality risk to the company . Behavior like addictions , motor vehicle violations , dangerous recreational activity and vocational hazards are incorporated into the final decision . 