人壽保險政策何時被視為“有效”？
人壽保險政策何時被視為“有效”？
 This is probably a situation where you will want to get some legal advice. I have seen cases explained where it went both ways. The answer to your general question, however, is that the policy does not actually go into effect until the first payment is made and required delivery paperwork is received. What happens so often during life insurance underwriting is that you are not speaking with the person who makes the ultimate decisions. The fact that they told you to send in the first payment sounds like a good move on their part, so that base would at least be covered. But the legalities have to then go by their teams who make those complicated decisions. And far too often, auto generated memos go out without taking into account the whole situation. I say this not as an excuse for insurance companies, but just because we run into this a lot, where their letters have not caught up with current reality. If they had said your husband's policy was in effect on the day of his death, I think you would have a strong case. But with it being an approval letter, and then how it went down afterwards, I could not say. It certainly cannot hurt to ask a legal expert who can advise you, though. Best wishes and my condolences at this difficult time.
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