Life insurance plans usually cover the individual insured from the very first day they are approved for the life insurance and pay the first premium.
The type of life insurance that does not pay out a claim the first two years os graded benefit life insurance where you get back the premiums paid if the insured dies within the first two years, but you only get the death benefit if the insured dies after being insured at least two years.
However, all life insurance policies have a two year contestable clause where the insurer can review the cause of death, and the statements on the applications to determine of the insured lied on the application for life insurance.
If the lie was a material misrepresentation that would have caused the insurance company to decline the person for life insurance, the life insurance company may deny coverage, and not pay the claim.
But, as long as you answer all the questions truthfully on the application for life insurance, there shouldn't be a problem.
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