The timing of life insurance becoming effective depends on a few things. If you apply for life insurance and submit the minimum initial premium with the application, the company's "conditional receipt" will determine when the coverage begins. Each company's terms will be a little different.
If you applied for the insurance without submitting any premium, the coverage usually wouldn't begin until after the application is approved and you submit the initial premium.
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If you applied for the insurance without submitting any premium, the coverage usually wouldn't begin until after the application is approved and you submit the initial premium.