Is term life insurance more likely to pay out after a death?

-Assuming it's after the usual two or three year minimum of payments.If you're talking about the differences between whole life, universal life, term life, etc....then there is absolutely no difference in IF they pay out. Those rules are the same.



AND, you can assume if those three payments were monthly payments that they would indeed investigate.
You have to pay premiums for more than 2 or 3 years. You need consent of the insured to get a policy on that person's life. If the person is very ill or terminal you they won't be able to get a policy.
More likely than what?



All life insurance pays out after a death, as long as the policy was valid. There is no minimum number of payments or time except for suicide or misrepresentation.
There is no difference in the "likehood to pay out" based on policy type.
One would assume all life insurances should pay out after a death, what would the point be of having it otherwise ?