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All individual life insurance policies come with some sort of waiting period after you've purchased coverage.

"No waiting period" policies generally refer to ones that don't require you to wait for medical exams or test results before coverage goes into effect.

 The best thing you can do to make sure a claim isn't denied is to disclose all relevant information when purchasing your life insurance policy. It may be hard to do so and you may be concerned about having your application rejected, but providing false information can easily cause your family's claim to be rejected. Whether you've had suicidal thoughts, previously attempted to commit suicide or have a history of mental illness, generally some insurers will cover your risk. While it may require you to apply with multiple life insurance companies, there are just a few issues, such as multiple suicide attempts, that will prevent you from finding coverage with at least one insurer.