The Underwriting Process that life insurance companies do is the process of assessing the risk that you present to the life insurance company.
During the Underwriting process the life insurance company will check your credit score, health, and other history to determine whether you're a good risk to them or not.
The Life Insurance Underwriting process also ensures that the cost of the coverage is proportionate to the risks faced by the individual concerned.
The whole underwriting process for life insurance can take a few days to a few weeks to complete.