When the policy has been approved by the insurance company. If you're replacing existing coverage, you should never drop your existing coverage until your new policy has been approved, and your first premium has been paid. However, there is no requirement that you submit a check with your application. The premium can be paid once the policy has been approved. We only use insurance companies with a proven track record of financial strength, integrity, performance, and claims-paying ability.
Most families have coverage on both spouses.
There are many financial pressures on a family after the loss of either parent. Beyond the obvious final expenses, the financial strain on a family after the loss of a spouse can be significant, even if the deceased spouse wasn't working. Often the surviving spouse will take time off work, or change jobs in order to spend more time with the children. Although the qualifications for preferred rates vary from company to company, generally you must be in excellent overall health. There are strict limits on height, weight, cholesterol, blood pressure, and you must not have a history of any significant health impairments.