The premium will depend on the attained age at start of policy year, gender, the amount of insured death benefit, occupation class and health of the member. (reliancenipponlife.com)
Suicide: If the policyholder commits suicide within 12 months from the date of start of policy then no death benefit amount mentioned in the policy is payable. (coverfox.com)
It basically requires a medical exam at the very start of the policy. (usacoverage.com)