人壽何時開始？
人壽何時開始？
 While the definition is and seems simple, there is no more trickier issue in life insurance than when coverage starts. Most policies define start of coverage to be when the application is accepted and approved, payment is received and no outstanding policy delivery requirements remain outstanding. Interestingly enough, no agent has any binding authority with life insurance, which tells you right there how strictly the start-of-coverage rules are with life insurance. One word of advice: once you think your coverage is in force, ask for a note or letter stating so. Never assume that your coverage is in force until and unless all 3 conditions above have been met.
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