How Long Before Life Insurance Takes Effect? 
When I work with clients sometimes a question we have to work through is when the effective date will be . In many cases , this is due to another policy which is going to be replaced if the offer from the company applying with is acceptable . You have the ability to communicate with the company to let them know what date you would like the policy effective . Some companies will make the effective date the day you received the policy , signing the delivery receipt . Explain your situation to your broker/agent so you can strategize the best options for yourself . 