Backdating insurance definition

The is important because so many time periods under the policy start with it: The suicide and contestable periods, due dates of renewal premiums, expiration date of grace periods, availability and amount of nonforfeiture values and the duration of any extended term insurance.

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Almost all applications read that coverage is not effective until the policy is delivered and the first premium is paid.

Therefore, these criteria must be met before the policy is considered to be in place.

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