West Virginia Life and Health Practice Exam 2025 - Free Life and Health Exam Practice Questions and Study Guide

The effective date of coverage for a life insurance policy typically depends on the specific provisions outlined in the insurance contract. Generally, coverage becomes effective on the date the policy is delivered and the first premium is paid, as stipulated by the company’s guidelines.

In this scenario, if the policy indicates that the coverage begins on a specific date after these actions are completed, then B is chosen as the correct option. This suggests that the policy specifies coverage activation as January 26, demonstrating the importance of understanding the conditions under which a life insurance policy takes effect.

It is crucial to carefully review the policy details because each insurance company may establish distinct guidelines regarding the effective date. In practice, this can vary significantly based on the application date, underwriting requirements, or additional clauses that may be included in the policy contract. Hence, the answer reflects the company’s policy and helps ensure that individuals are aware of when they are officially covered under their life insurance policy.