What is the potential danger of not getting underwritten upfront for insurance, and what advice is given to buyers?
the onus will now be on the purchaser to prove a negative.  It is not in your best interest as the underwriting is done at claims time.  You may not have coverage when you or your family need it.  Let the buyer beware.  Also you can't trust the advisor as they are really and truly looking out for themselves to collect a commission.  Like the post above, DO NOT BE IGNORANT - understand the risk you bear by not getting underwitten upfront.