At the end of the day, insurance companies are in the business of making money, and for life insurance companies, the longer you live, the longer they get to collect premiums without paying a death benefit claim.
So for every application they receive, they have to weigh the risks (e.g., chronic conditions and dangerous habits) with the benefits (i.e., how much money they can make off of you throughout your life) to determine whether they’ll accept the policy.
That’s why it’s important to do everything you can to increase your chances before applying.
