What Questions Are On A Life Insurance Application? 
The number of questions on a life insurance application varies with the type of application it is . If guaranteed issue life insurance , the only questions that will be asked are personal and contact information . That is because they do not base rates on health ; everyone who applies gets the same rate . This makes the premium high for those who have good health , and the policy will be graded . But the policy is easy to get . With simplified issue life insurance , there will be more questions , and the application may be accompanied by a phone interview . The questions will include some health questions , tobacco usage , and most will ask about height and weight . The rates for this type of policy as usually not as high as guaranteed issue and not as low as medically underwritten life insurance . The applications for medically underwritten life insurance will usually have the most questions . They will ask about dangerous hobbies , family history , bankruptcies , past crimes , substance abuse , foreign travel , and more detailed health questions . In addition , they may order medical records from your doctor . While the most thorough , medically underwritten life insurance can deliver the best rates for those of very good health , and also can provide more coverage than the other types of life insurance offer . 