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High Risks for Insurance?

Most people have any idea if they're high risks or not because of a medical issue. If you are high risk and declined for life insurance:

Check any policy you have for a "guaranteed insurability rider," which gives you the right to buy more coverage at your current rate.
look into group insurance which usually doesn't require a medical exam
Apply at a company that uses clinical medical under-writing, which considers medical advances and lifestyle choices that allow people with health problems to live long lives (CNA, Mutual of Omaha, & Guarantee Trust Life Insurance)
Use a company that writes impaired-risk policies such as Impaired Risk Specialists (888-898-3279) or Underwriting Specialists (800-652-5700)
Consider a burial policy
Get a guaranteed issue or graded life policy
Buy several (graded) policies if the maximum benefit is too low

You can also be high risk if your background includes:

A mental illness or treatment for depression in the last two years
A past dependency on alcohol or drugs
Three or more traffic tickets within the last three years
Piloting non commercial within the last two years
Living or traveling outside the United States
Tobacco use of any kind within the last five (5) years
A criminal history including misdemeanors or felonies especially domestic violence
A DUI or reckless driving offense within the last five years
Having a hazardous job or hobby within the last two years

How does the insurance company find out all this?