Life insurance underwriting is very comprehensive because life insurance companies depend on accurate underwriting to stay in business.
Underwriters assess factors like:
Insurance companies know very well that your mortality is, on some level, affected by everything you do. Their interest is in the extent to which you are effectively managing the risks in yourlife. Only then can the fairest pricing be determined.
Moreover, life insurance is underwritten only at the time of application. The carrier has just one chance to make a risk assessment and agree to a price. Any risks that increase after a policy is in force cannot prevent a claim from being paid. You can become a chain-smoking, bungee jumping mercenary - and that will not affect the terms of the policy.
(Assuming, of course, that you have answered all the questions on your application with complete honesty.)