You are insured as of the effective date. This is the date on which your life insurance company assumes the risk of insuring your life.
So, if your life insurance policy effective date is 12:01 a.m. on Saturday, November 18, 2023, that is the first day you are insured by your life insurance policy. To learn more visit www.term-life-online.com/life-insurance-becomes-effective-when.html