Things needed for life insurance

Ready to buy life insurance? You can expect that an underwriter will put your application under a highly magnified microscope. Multiple factors are considered before you are — or aren’t — offered a policy:

Your age.
Your gender.
Your occupation.
Your financial status.
Any risky pastimes you may have.
Your lifestyle (particularly any tobacco, alcohol or drug use).
The face amount of the policy.
Your health. Life insurance with health issues

http://www.bankrate.com/finance/insurance/top-10-health-hazards-for-life-insurers-1.aspx#ixzz3PrT43bE1