Saving buckets of money on not conducting, and not paying for, life insurance testing at the same time as asking increasingly vague detailed question of applicants and then denying coverage due to semantics, YES this does lead to windfall profits. They know that even, "almost" saints (through vanity) will fudge a bit. Just enough to enable the insurance companies to not only profit from non-payout but also turbo boost profits by accepting all the applications that would have not been approved.