A waiting period is an amount of time where you pay a premium but don’t yet have full cover.
This is usually done to prevent people from buying a life insurance product when they suspect they might already be ill.
Another way to deal with this risk is for the insurer to assess it through an underwriting process. In the case of a policy sold by Different Life this is done through a series of questions that can be answered online or over the phone.
That allows for full cover from the moment your policy starts.
10 minutes a few questions and no waiting period.