When Does Term Life Insurance Become Effective? 
For any life insurance policy , the coverage begins once the policy has been approved and you accept the offer by submitting the initial premium payment -LRB- and any outstanding requirements such as a policy delivery receipt and/or a good health statement -RRB- . If you submitted a signed temporary insurance agreement and sent it in with a check when you submitted the application , then only the latter would be necessary , if applicable - the policy would be in force as of the policy 's stated effective date . I hope the information is helpful - please feel free to contact me for assistance with your coverage and if you have any further questions . Thanks very much . 