This is part of the insurance process for most providers, especially for those who are trying to avail coverage of more than a million dollars. This is to assure that the insurance company is getting a fair deal which is why people are told to allow total disclosure as possible for any hidden medical condition can lead to rescission or render the policy void. This is avoided by thorough investigation of medical records from your family to your past ones and even the slightest hint of a risk for the insurance will be ticked as a point against you. Too many points against you and you do not get approved so do work with the insurance and enlist the help of your agent to avoid future problems for your loved ones.