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Because of this risk their underwriters will look at very aspect of your life starting with age, build, occupation, life style, health status, geography, drug use and nicotine use to determine this risk. If any one of the aspects is outside of their risk tolerance then the person is declined for life insurance.
Most health conditions are not complete blocks to getting insurance, but may well be rated and therefore require a higher premium. Most insurers will not insure a convicted felon until they have fulfilled their parole requirements. Even then some companies will not take the risk.
If a person's occupation and or avocation is considered too high a risk, that may cause some insurance companies to decline issuing a policy.