I’m researching term policies to cover the shortfall for life insurance from my work. How long is reasonable to get a term policy for? Term to 60, 75 or 100 years?

I have a friend who just quite smoking and he wants to know how long he should wait before he goes to get life insurance (to get the physical exam). He would like to wait until there is no more (detectable) nicotine in his system. How long should he wait to get underwriting?

I’d like to know if there’s a law or rule (especially in California) regarding the time between the death and the life insurance payout.

I have a life insurance exam scheduled in the next few weeks. I had smoked some cigars and cigarettes during a bachelor party not long ago. Should I postpone the medical exam? I am not a smoker and want the non smoker lower premium. Above that I do not want to be flagged for being one.

I’m from BC and am planning to work in Alberta. How long will BC insurance cover me before I need to get Alberta auto insurance?

How long will it take for your auto insurance cost to go down?

If a person who died many years ago was said to be listed as beneficiary on a life insurance policy of a relative, and the insured relative died last year, about how long does the average insurance company hold the certificate during its investigation? Weeks or months? Does it make any difference that both people lived in different states?
Please state some factors involved. Thanks.