If you are applying for disability income insurance, they are going to want information on your education, income, work responsibilities and any employer-sponsored benefits you currently have.
If you are applying for long term care insurance they will want details on any physical limitations, physical therapy, chiropractic care, etc.
Surprisingly, different carriers will look at the same information and make different underwriting offers.
A good example is cigar usage. Some carriers will consider you at tobacco rates if you smoke one cigar a year. Others will consider you at non-tobacco rates if you test free of nicotine. We even have a carrier that will consider you at non-tobacco rates if you smoke multiple cigars daily.
Another good example is cancer. Depending upon the type, grade, treatment and prognosis, some carriers may decline the application. Others may postpone making an offer, and still others may make an offer.