What is the “Effective Date” of Your Life Insurance Policy?

J.P. Gonzalez-Sirgo
Founder of J.P. Gonzalez-Sirgo, P.A.

The "effective date" of your life insurance policy is the legal date that your policy begins to provide coverage.  This is a very important date since benefits can only be triggered once a life insurance policy becomes "effective".  In addition, this date also dictates when the two year contestability period of your life insurance policy starts and when certain exclusions (for example, the suicide exclusion) begin to run.  The effective date can be found in your life insurance policy documents that will be delivered to you by the insurance company.  It is crirical to safeguard all of these documents.  

You can reach Miami Life Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email J.P. directly at [email protected].

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