A physical activity questionnaire (PAQ) in life insurance underwriting is a supplemental form or verbal interview used to gather detailed information about an applicant's exercise habits, sports participation, or physically demanding hobbies. It helps assess lifestyle risk factors such as frequency, intensity, and type of physical activity, especially when applicants report high-risk activities like scuba diving, mountain climbing, or competitive sports. The PAQ often covers duration, frequency, gear usage, safety protocols, and supervision. Underwriters use this information to determine if the activity adds any significant mortality or morbidity risk to the policy.

In practice, if an applicant mentions frequent marathon running or scuba diving on their application, the underwriter may request a PAQ. The form might ask how many times per week the applicant trains, whether they use safety gear, and if they have formal training or certifications. Advisors usually help clients provide thorough and accurate responses to avoid unnecessary delays. A well-completed PAQ can reassure underwriters that the applicant manages their risk appropriately. In contrast, vague or incomplete answers may result in postponed decisions or exclusions.