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A serious medical condition or poor results from your life insurance medical exam tend to be the most common reasons why people are rejected. Or it might even be non-medical related, with factors like bankruptcy, a criminal record, a positive drug test, or a dangerous hobby all having an impact.
An informal application, sometimes known as a trial application, is not company-specific. Its a general application that also asks personal identifying information, in addition to medical and lifestyle questions.
A life insurance application may be denied if you have high-risk medical conditions, dangerous hobbies, or if you left important information off your application. You may also be ineligible for certain policies due to advanced age.
There are basically three sections in a typical life insurance application: Part I - General. Part II - Medical. Part III - Agents Report.
The insurance application asks all the questions the underwriter needs to assess your risk. It usually takes between 30 minutes to an hour to complete the application. Underwriting could take a few weeks, during which time you may have to undergo a medical exam.
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Life insurance medical and lifestyle questions Your familys health history. Current medications, drugs and alcohol. Lifestyle history. Future plans for risky activities. Payment frequency. Other life insurance policies. Financial situation. Sign your name.
Part II contains medical information, provided by an examining physician and/or laboratories if the applicant is required to have a physical examination, and self-reported (as in use of alcohol, tobacco, etc.)

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