You should file your
claim as soon as possible, especially
because there may be a deadline for the initial
claim as well as at several junctures
during the
process.
This is
because, if it is discovered, after the fact, that you «materially» misrepresented yourself
during the life insurance application
process, the insurance company may have a legitimate «cause» for denying your life insurance policy
claim after your death (meaning, that you beneficiaries would not be paid a death benefit)!