Procedure of term life insurance in case of death

So I can only speak for us, but in our case, when the insurance is taken out in connection with a loan, there was a simplified health check that only consisted of 3 or 4 questions, for example, were you unable to work for more than 6 weeks in a row last year. I also wouldn't know how the loan could be lost in case of rejection. It had long been approved and paid out at that time. And there is no clause in the loan agreement that would require an RLV. We took that out based on our own considerations. The bank is not an insurer either but works, for example, with Allianz

I unfortunately can no longer remember the source. The process was probably like this: credit requested, RLV offer from the bank, health check failed, credit offer withdrawn. Maybe also entry in the banks' database (something like that of course does not exist).