What Does A Life Insurance Application Look Like? 
A life insurance application is a form divided into sections . The first section asks your personal information , such as name , date of birth , address , etc. . The next section usually asks about the policy you are applying for - face amount , how you want to pay the premium , etc. . Then the application asks about your risk factors : whether you smoke , participate in dangerous hobbies , your health issues , etc. . If you are applying for a simplified or guaranteed issue policy , the questions about risk will be fewer or nonexistent . There will also be some supplemental forms for medically underwritten policies , such as the HIPAA and HIV forms which give your consent to be tested for HIV and for your medical records to be reviewed by the insurance company . Again , if you are applying for a nonmed policy , there is no need for medical exam . But for larger face amounts or very competitive pricing , this type of testing is usually required . 