Bob
Its fair enough what you say - there are of course exceptions.
In general the majority of pilots don't have health issues - at least not ones which might affect the life premium.
In cases where health issues are relevant then, yes, there may be differences in underwriting stance between insurers. But usually this is small.
With the vast majority of pilots its the flying loading which is likely to have the biggest effect on the final premium.
I'm glad you got the best overall combination of flying and medical loadings...lets face it..it costs enough to fly our aeroplanes without any additional unwarranted costs !