Application Part 2 is the medical section of a traditional life insurance application that captures detailed health history and risk factors for the proposed insured. It typically covers past and current illnesses, surgeries, medications, family history, tobacco and alcohol use, and other lifestyle factors. Part 2 may be completed by the agent, a paramed examiner, or a tele-interviewer, depending on carrier practice. This information, combined with labs, exams, and medical records, forms the core of medical underwriting and helps insurers assess mortality risk and pricing.

Advisors coordinate completion of Application Part 2 by scheduling paramed exams or tele-interviews and preparing clients for the types of questions they will be asked. They emphasize the importance of full and honest disclosure to avoid misrepresentation issues. Underwriters rely on Part 2 answers to determine what additional evidence is needed, such as APS reports or specialty questionnaires. Advisors who review Part 2 responses and clarify inconsistencies upfront can reduce underwriting delays. Understanding Application Part 2 enables advisors to guide clients through sensitive health discussions with professionalism and empathy while supporting accurate risk assessment.