Each carrier is different. Some ask global questions (no time frame) while others are only interested in the last 3 years.

One of the dangers of diy purchasing of insurance products is that you have no idea what a carrier is considering. A good agent will recognize potentially negative issues and match your history with the right carrier.

Most applications do have a gatekeeper question . . . "have you ever been declined or rated" which may cause some snags the next time you apply.

Hopefully not . . .