Life Insurance underwriting is the process used by insurance companies to analyze the risk presented by an applicant for coverage and determine if the person should be accepted for coverage, how much coverage to insure the person for, and at what price. There are several things that are considered when underwriting a person for life insurance, including the person's age, gender, health, occupation, hobbies, lifestyle, tobacco use, driving record, etc. These risk factors assist the insurance company in determining the overall risk presented by the applicant and life expectancy of the applicant.