And his "girlfriend says" he regularly used drugs.
So convenient, and full of hearsay, to explain it all away...

"You cannot buy a plan after the fact because they do not kick in immediately." Not true. Insurance is active the moment the premium is paid. There are caveats however. If information arises during that grace period, which could invalidate the contract, then there is a clause that will invalidate all claims made during that period. There is always a grace period, to reduce the incidence of insurance fraud.

That is a business legal question. Go pay a business lawyer to help you figure that out. With so many people spouting bullshit while trying to hide behind "IANAL" I'd think you'd have a clue. No one here knows what the f*** they're talking about when it comes to law. Hell 90% of the population (including lawyers) don't know the freakin' law.