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[–] [deleted] 1 point 1 point (+2|-1) ago 

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[–] KobeBurger ago 

No, mine was underwritten after I passed a full health screening. I die, it pays. The only way it wouldn't pay is if I committed suicide in the first 2 years, or don't pay the premiums. That 2 years was done over 10 years ago, and I'm not going to miss paying a $25 premium. The insurance you're talking about is either whole life or universal life, good if you have the bucks for it, for most people, they just need term insurance to cover a period of time of debt.