There are several things that an insurance underwriter will typically review, including:
lifestyle, health, and motor vehicle history. The underwriting process is subjective and can take between two and six months to complete.

Life insurance comes in several different flavors, so learning the options and then selecting the right type of policy for your goals and budget is crucial. In general, life insurance is a contract between a policy owner and an insurer, whereby the insurer promises to pay a designated beneficiary a sum of money, called a “death benefit,” upon the passing of the insured person, in exchange for a premium, paid in a lump sum or over time.