Yes, there are life insurance policies that offer immediate death benefit coverage.

In fact, most life insurance is issued with immediate coverage once you have been accepted and paid your first month's premiums - the coverage foes into effect immediately.

However, graded death benefit life insurance policies, also known as, guaranteed issue life insurance, have limited benefits the first 2-3 years you are insured.

That is how they can guarantee your acceptance for coverage even if you have heal...

Is it possible to buy life insurance that starts your insurance coverage today?

Yes, several life insurers now offer "Same Day" life insurance plans, which means you can start your coverage the day you apply, if you qualify.

Some insurance carriers offer from $100,000 up to $500,000 of instant coverage; however, one life insurance company offers up to $3 million of life insurance you can start today if you're healthy and qualify for coverage.

The online application process for life insurance usu...