Life insurance underwriters look at a variety of factors when determining the acceptance of an applicant. These factors can include: a. Health history b. Occupation c. Hobbies d. All of the above e. Both a and b only d � Underwriters look at many factors that can deem an applicant for life insurance as being more or less risky. These criteria can include hobbies, occupation, lifestyle, gender, age, income, and many more.