- 19,486
Read the conditional receipt on TA's application. It does NOT say they are covered upon approval. It clearly states they are covered upon receiving the "first initial premium for that application has been received by the company or an agent acting on its behalf (the "effective date")"
To your own definition - you're a liar!
Get butthurt often? I wasn't talking about the conditional receipt or did I even mention the conditional receipt. The policy says what day it goes in force and that does not match the first draft.
And at their website it will show "placed in force" before it's ever drafted.