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Backdated liability insurance is not an insurance product frequently offered by insurers, since the insurer cannot be certain how much the loss will amount to.
Life insurance policies are issued at the your life insurance age.
Since age is one key factor in determining how much you will pay for your policy, it’s important to keep your age as low as possible when your policy is issued.
If the timing works out, we can sometimes backdate your policy and keep your life insurance age of the insured down by one year.
If you could do this, nobody would ever buy car insurance until after an accident happened.
That would have the effect of turning the car insurance industry’s risk-assessment-based business model on its head.