When does my coverage become effective?

Your coverage becomes effective on the first date of the month selected on the application. If you select the first date of the current month, please note you are signing a ‘no-known’ claims free warranty statement on the application. Typically, it will be the first of the month following your application and payment if you are already licensed and appointed with the sponsor. If you are in the process of licensing with a sponsor, please select an effective date at least 30 days from the date of completing the application.