Can I backdate 6 months, and why would I want to do that?

The first year is the worst part of the policy. You can get through those 12 months in 6 by backdating a policy for 6 months. Anyone can do this at any company. Sometimes it even moves your “insurance age” back one year, though it’s fine if it does not. Please read or re-read our 50-page book Live Your Life Insurance as it will be a great “owner’s manual” for your whole life insurance policy with the PUA rider added. It is available as a kindle, paperback, or audiobook.