Problems in getting Coverage

Just because you want life insurance does not mean life insurance companies will issue it to you. If they did, those who are terminal, have a short life expectancy, would buy a lot of insurance, die, and other could collect the face amount.
Applicants for life insurance policies and generally “underwritten” by life insurance companies. This is simple and can involve a few questions about health history, age, smoking history etc. An example would be, “Have you been diagnosed with or treated for any of the following conditions……”) and if the answer is “no”, the policy is issued. Additional underwriting is necessary is your answer is “yes.” A 25 year old cold get $100,000 of life coverage with just a few questions, where a 75 year old might have to have a physical exam by a doctor.
The underwriting process is designed to screen out people who are “uninsurable,” like someone in a hospice dying of AIDS or cancer. A healthy 35 year old who weighs 150 pounds can expect to pay much less than a 35 year old with diabetes and weighs 300 pounds.  Other companies, who will take a range of risks, are comfortable taking in people who are less than perfectly healthy.  Also, some companies evaluate risks differently and companies may view the very same person in a different light.