Why do you ask about my salary and financial circumstances? Life insurance is just based on my death, isn't it?

Every application we receive is assessed medically, financially and based on occupation, travel and pursuits. In most circumstances we don’t need to ask more questions about your financial circumstances, but where we do, it's to make sure the policy is adequate and acceptable to us. We have an obligation to check, where appropriate, that we're not accepting policies that in real terms means you're exceeding your actual worth. The application asks for your salary and in most circumstances we wouldn’t ask for anything beyond this but we may ask to see a loan offer or mortgage offer in limited circumstances.