Can I buy life insurance coverage without a waiting period?

Yes, in fact, most life insurance plans have no waiting period before you have full coverage.

For instance, term life insurance and whole life insurance policies come with full coverage form the start of your policy.

However, guaranteed issue life insurance usually has graded death benefits, which means you will not have 100% (full) coverage until after you have been insured for 2 (or 3) years.

Guaranteed life insurance is the type that comes with a waiting period.

Learn more about life insurance without a two year waiting period and how it works.