Field underwriting is the process where an insurance agent gathers medical, occupational, and financial information from a client to assess their insurability. It is important for determining if the client and product are a good fit, if the client is suitable for the particular carrier, and to manage client expectations. Key questions cover financial details like income sources, occupational information like job duties, and medical history including height, weight, tobacco use, prescriptions, and condition of the back, spine, heart and mental health.