It seems that insurers are now taking into account the applicant's BK history:

More companies, including Haven Life, are trusting algorithms—using answers provided by applicants and data pulled from prescription-drug databases, motor-vehicle records and other sources—to reveal nearly as much about many people as analysis of blood and urine.
Other resources include “Risk Classifier,” a predictive-modeling tool developed for insurers by RELX Group’s LexisNexis Risk Solutions unit. It taps into motor-vehicle records; bankruptcy, criminal and other court documents; professional licenses; college-attendee records; property deeds and tax filings; liens and evictions and other records.