When you take out a life insurance policy, the insurer needs to figure out how much you’ll pay in premiums. This process, called underwriting, looks at factors like your job, medical history, hobbies, and financial situation. Basically, it means you’re only paying for the cover you actually need.

Sometimes, insurers need more info about your health to make a fair decision on your application. For instance, if you have a pre-existing condition, you might have to get a medical exam before they give you the green light. Let's dive into why this happens and what you can expect from the process.