How Long Before Life Insurance Takes Effect? 
There are many types of life insurance policies to choose from . However , all polices have an effective date . Your coverage is bound and in force at 12:01 am on the effective date . It will remain in force until cancelled or the premiums are discontinued . As far as group life insurance , those policies end at the termination of employment . Unlike health insurance there is no provision to continue coverage unless the employee makes arrangements with HR prior to leaving the job . 