It’s simple. You apply for a policy and get approved (if qualified).
You select a payment option, make your first premium payment, and your life insurance coverage begins immediately.
These plans may be term insurance or permanent insurance. Many instant-issue, immediate coverage life insurance plans are term life insurance and offered with online applications.
In fact, one highly rated insurance carrier offers up to $2,000,000 of affordable term life insurance which you can apply for online in minutes, and if approved, you can start your full life insurance coverage immediately.
Here's how to buy life insurance with immediate death coverage.