Effective Date and Expiration Date of Insurance

The Effective Date of insurance is the latest of these dates:

• the date the Administrator receives and accepts the Application and premium
  
  
• the date requested on the Application
  
  

Plan 1 - Expiration Date of insurance is the latest of these dates:

• 12 months following the Effective Date unless the Plan is renewed
  
  
• the end of a Period of Coverage for a trip that commenced prior to the Plan's Expiration Date
  
  

Plan 2 - Expiration Date of insurance is

• 12 months following the Effective Date unless the Plan is renewed (Annual Plan)
  
  
• 6 months following the Effective Date (6-Month Plan)
  
  

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