Life insurance companies will typically ask a variety of questions when you apply for a policy. The questions are designed to help the insurer assess the risk that they are taking on by insuring you. Here are some common questions that you may be asked:

1. Personal Information: You will be asked to provide personal information, such as your name, age, gender, and contact information.
2. Health Information: You will be asked about your health history, including any medical conditions, medications, surgeries, and lifestyle habits (such as smoking).
3. Family History: You may be asked about your family’s health history, including any history of heart disease, cancer, or other serious illnesses.
4. Occupation and Income: You may be asked about your occupation and income, as well as any hobbies or activities that may be considered high-risk.
5. Insurance Coverage: You may be asked about any existing life insurance policies that you have, as well as the coverage amounts and policy terms.
6. Beneficiary Information: You will be asked to name your beneficiaries, or the people who will receive the death benefit if you pass away.
7. Underwriting Information: You may be asked to provide additional information or undergo medical exams or tests to help the insurer assess your risk.

It’s important to answer all questions honestly and accurately, as providing false or misleading information could result in the denial of a claim. Working with an independent insurance agent who has experience working with life insurance policies can help you navigate the underwriting process and find the best policy and rates for your situation.

Common questions that a life insurance company may ask when you apply for a policy:

1. What is your name, date of birth, and contact information?
2. What is your gender?
3. Do you smoke or use tobacco products?
4. What is your height and weight?
5. What is your occupation and income?
6. Have you been diagnosed with any medical conditions, such as diabetes or high blood pressure?
7. Are you taking any medications?
8. Have you had any surgeries or medical procedures in the past?
9. What is your family’s medical history?
10. Do you participate in any high-risk activities or hobbies, such as skydiving or bungee jumping?
11. Do you have any existing life insurance policies?
12. Who do you want to name as your beneficiaries?
13. Are you willing to undergo a medical exam or provide additional information to the insurance company?
14. Have you been hospitalized for any reason in the past?
15. Have you been treated for any mental health conditions, such as depression or anxiety?
16. Have you had any DUIs or driving-related offenses in the past?
17. Have you traveled to any high-risk countries in the past?
18. Are you currently pregnant or planning to become pregnant in the near future?
19. Have you ever been declined or rated for life insurance in the past?
20. Are you a citizen or permanent resident of Canada?
21. What type of life insurance policy are you interested in, such as term life insurance or whole life insurance?
22. What is the coverage amount that you are seeking for your policy?
23. What is the term length that you are seeking for your policy?
24. Are you interested in any additional riders or benefits for your policy, such as accidental death coverage or disability coverage?
25. Do you have any questions or concerns about the life insurance policy or the underwriting process?
26. What is your marital status and do you have any children?
27. Have you engaged in any high-risk activities or hobbies in the past, such as extreme sports or mountain climbing?
28. Have you ever been convicted of a crime or served time in jail?
29. Have you ever declared bankruptcy or had any financial issues in the past?
30. Have you ever been denied or postponed for life insurance in the past?
31. What is the purpose of the life insurance policy, such as to cover funeral expenses or to provide for your family’s financial needs?
32. Do you have any plans to travel or move to a different location in the near future?
33. Have you ever been treated for drug or alcohol abuse?
34. Do you have any pre-existing medical conditions, such as cancer or heart disease?
35. Have you ever been diagnosed with a terminal illness?
36. Have you ever participated in any clinical trials or experimental medical treatments?
37. What is your annual income?
38. Are you the primary income earner in your household?
39. What is your net worth?
40. Do you have any outstanding debt or financial obligations, such as credit card debt or student loans?
41. Are you a homeowner or a renter?
42. What is the value of your home, if you own one?
43. Do you have any other assets, such as a car or investment accounts?
44. What is your credit score?
45. Are you currently employed and, if so, what is your job title and industry?
46. Are you planning to retire in the near future?
47. Have you ever filed a claim for life insurance in the past?
48. Have you ever been a beneficiary of a life insurance policy in the past?
49. Have you ever served in the military or participated in any combat or high-risk activities related to your military service?
50. Have you made any recent changes to your health or lifestyle, such as losing weight or quitting smoking?
51. Do you have any hobbies or activities that are considered high-risk, such as skydiving or scuba diving?
52. Have you recently traveled to any countries with high levels of political or social unrest?
53. Are you a member of any professional organizations or associations?
54. Are you a student or a recent graduate, and if so, what is your area of study?
55. Are you currently undergoing any medical treatment or taking any medications that could affect your health or life expectancy?
56. Do you have any children or dependents who rely on you for financial support?
57. Do you have any plans to start a business or make a major financial investment in the near future?
58. Are you interested in any additional financial products or services, such as retirement planning or long-term care insurance?
59. Have you ever been diagnosed with a mental health condition, such as bipolar disorder or schizophrenia?
60. Have you ever been treated for substance abuse or addiction?
61. Do you have any chronic health conditions, such as asthma or allergies?
62. What is your citizenship status?
63. Are you a non-smoker, ex-smoker, or current smoker?
64. Have you ever been diagnosed with a serious illness, such as cancer or heart disease?
65. Have you ever been diagnosed with a mental health disorder, such as depression or anxiety?
66. Have you ever been declined for life insurance coverage in the past?
67. Have you recently engaged in any high-risk activities or sports, such as mountain climbing or extreme skiing?
68. Are you planning to travel outside of Canada in the near future?
69. Are you planning to have any medical procedures or surgeries in the near future?
70. Are you currently taking any prescription medications?
71. Have you recently been exposed to any environmental hazards, such as asbestos or radiation?
72. Do you have any family history of serious illnesses or medical conditions?
73. Are you currently or planning to be a pilot or work in any other high-risk occupations?
74. Are you a member of any organizations, clubs, or groups that may affect your risk level?
75. Are you currently pregnant or planning to become pregnant in the near future?
76. Are you currently caring for any dependents, such as elderly parents or young children?
77. Have you ever filed for bankruptcy or had any financial issues in the past?
78. Do you have any joint debts or financial obligations with someone else?
79. Have you ever been convicted of a crime, or do you have any pending legal issues?
80. Are you planning to make any significant lifestyle changes, such as quitting your job or starting a business?
81. Have you recently traveled outside of Canada, and if so, where did you go?
82. Do you have any existing health conditions that require ongoing treatment or care?
83. Are you currently taking any recreational drugs or using any illicit substances?
84. Do you have any medical conditions that run in your family, such as heart disease or diabetes?
85. Have you ever been treated for a serious illness or undergone major surgery in the past?

It’s important to answer these questions truthfully and accurately to ensure that you receive the appropriate coverage for your individual needs. Working with an independent insurance agent who has experience working with life insurance policies can help you navigate the underwriting process and find the best policy and rates for your situation.