What harm does buying accident insurance do to the insured?

The insurance company thinks that the insured is in abnormal health and has doubts. However, I am worried about missing this quality customer. In a dilemma, I conducted a contract investigation. Contract investigation refers to some strange or uncertain situations (such as excessive insurance coverage, health doubts, etc.) felt by the underwriting staff of the insurance company. In order to reduce business risks, we will conduct on-the-spot investigation on the financial status and health status of the insured and the insured, and then decide whether to underwrite.