Once you have completed the application form, this asks questions about your medical history, occupation and pastimes you may have. The Life Insurance application is then sent to the underwriting department. The underwriting department will study the application and will decide based on the answers and the information given if the plan can be accepted at standard premium. Also in order to obtain the decision the company may decide that they require a medical examination that they will carry out at a good time for you. This is normally held at your convenience and can be done at your home or place of work. These normally consist of general tests, and a general well man or woman test. The insurance company may also decide that they require a specific test on a specific area that you may suffer with. Once all the appropriate information has been gathered then the underwriters will come to a decision on the case.