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Health Insurance

How do I sign up for insurance? Am I eligible for subsidies? Get answers to these questions and more with our Health guides.

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Medicare

Medicare can be complicated. Explore our guides to basic coverage, supplement plans, Medicare Advantage, and more.

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Life Insurance

We break down barriers to understanding life and final expense policies. View guides or read reviews of popular plans.

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Auto Insurance

We've done the work to learn what goes into auto insurance. View guides to getting the best rates or browse provider reviews.

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Home Insurance

Homeowners insurance doesn't work like you might think - we've done our homework to understand the policy options and benefits out there. Start by scouting your options, or viewing our reviews.

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Pet Insurance

Pet Insurance can be complicated. Explore our guides to basic coverage, end-of-life plans, chronic health conditions, and more.

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Backdating | Life Insurance Glossary

Back to Life Insurance Glossary Terms

In life insurance, if a person wants to make their policy effective date at a time prior to the current date, the insurance company will normally backdate up to six months. However, the policyholder must pay the premium amount over that period. It can also help the policyholder save money on their premium amounts based on how life insurance uses age to determine rates. See Actual Age and Age Nearest Birthday

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