[tnicola]

Your insurance questionnaire being more detailed had nothing to do with who was the beneficiary of the policy (think about it - why would they care who gets the money), but the fact that the death benefit was probably larger than anything you would have applied for individually until now. The level of detail underwriters go into is almost always 100% dependent on the size of the cheque they have to write upon ones death.

If you took out the same size insurance policy individually from the same company, the questionnaire would not have been any different.