The earliest possible effective date of coverage is the day following receipt of properly completed applications, compliance with all underwriting requests/requirements, and the required premium.

1. If U.S. Postal Service postmark — the date following postmark.
2. If postage meter — the date received by KEMI.
3. If the carrier is other than U.S. Postal Service — the date received by KEMI.
4. If hand-delivered by agent, applicant, or courier — the date following the date received by KEMI.
5. If submitted via online application — the date after submission.

Only KEMI can bind coverage.