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You can be all set by having your full medical and prescription history - instant life insurance no exam listed before you hop on your phone call. The agent dealing with your application will certainly ask a collection of concerns about your health history and way of life, so you'll want to be prepared to answer them as properly and completely as feasible
In either case, if you intend to establish the policy, you'll be covered as soon as you pay your very first premium and sign your policy contract. If you're declined for immediate insurance coverage, it doesn't mean you're disqualified for any kind of life insurance plan. Depending upon the factor your application is denied, you could still get life insurance policy coverage by applying with another company.
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