A. It depends on how long your beneficiary will file a claim.
In insurance, there is a term called "contestability period", it is a short window in which insurance companies can investigate and deny a claim.
The contestability period is usually 2 years in most states, and it begins as soon as a policy goes into effect.
If you die within the contestability period, the life insurance company can investigate whether you gave accurate information on your life insurance application or not. The company can subsequently deny paying the death benefit if you died - even if the cause of death has nothing to do with misrepresentation on your application.