The underwriter makes a decision based on the information you provide in your application form, which is likely to include:

• Personal details
  Your sex, age, height, weight, occupation, where you live.
• Your health
  Your general level of past and present health, family medical history, previous illness.
• Your lifestyle
  Your smoking and drinking habits, and whether you take part in certain hobbies or sports, such as sailing or motor racing, and whether you travel frequently to certain countries.
• Your occupation
  You may have to pay a higher premium for jobs that are considered higher risk.