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The price is calculated based on the individual's age on the date the policy was issued. Another way of calculating age for insurance purposes is to use the applicant's nearest birthday.

Depending on when the application for coverage was made, the insurance company will assign an age to the applicant.

Since an applicant's age is one of the factors used to calculate costs, it can help a person save on the cost of his or her coverage.

When an insurance company receives an application for coverage, it considers several factors when deciding whether to issue a policy and how much to charge in premiums.

Policies need to be issued within 60 days of the close of the fiscal year (Dec 31).

Backdated life insurance premiums are sometimes used to lower premiums on a policy.

An individual who applies for a policy when he or she is relatively young will likely pay lower rates than someone who waits until their later years to get coverage.

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What process should be in place to ensure that premiums are paid in time?According to the current regulations, insurance coverage will not be in effect unless the premium payment is confirmed by the insurer.Considering premium remittance usually takes one to three days, it is recommend that the insured wire the insurance premium at least one week in advance of policy inception and provide a copy of the remittance slip immediately after the payment to enable a check of the confirmation.Policies will not be issued if the producing office request is not confirmed within 180 days from the inception date Jiangsu-Back dating more than 180 days is not permitted.Policies will not be issued if the producing office request is not confirmed within 180 -Shanghai-Back dating more than 180 days is not permitted.

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