I also want to mention this layered sweater, which I bought as a last second purchase. (lawoffashionblog.com)
This protects the insurance company from a last - second purchase where the person being covered is expected to pass away shortly. (burialinsuranceexpense.com)
The downside seems to be that applying for loans separately for our first and then second purchases would lower our borrowing power. (biggerpockets.com)