Let's pretend your second sentence was not there.
You can purchase insurance up to 3 days prior. If you have a reason to cancel before you buy that would be bad. As of tomorrow morning when you purchase your insurance you do not have a reason to cancel. You may have at some time in the future but then you always may have and that is why they call it insurance.
In case I have not been clear. Do NOT mention your grandfather in your conversation with the insurance agent.
Sorry to hear about your grandfather by the way.
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