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Life · Chapter 7 · Receipts & Effective Date

Trial Application

Definition
An application submitted WITHOUT the initial premium. Even if approved and issued, the policy is not effective until the first premium is collected (typically at delivery, with a statement of continued good health).
Easy to confuse with

These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.

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Verified against primary sources · 2026-08-10