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If a Health/Life lic, or any state issued lic., I guess, has an expiration date of for example 9/30/13, Does that actually mean that you can conduct agent/sales/marketing business up till 1159 PM on 9/30? Or does it mean that at 1201 AM on 9/30 that lic. is officially inactive/expired and no business is to be conducted? I'm leaning towards the first example. Thanks