11. If an applicant for life insurance pays the first premium and receives a conditional receipt from the agent, how long does it take for the insurance to be effective?

1. (a) Immediately provided the applicant is in good health condition.

2. (b) The day the application is approved by the insurance company.

3. (c) The date of application before its approved by the insurance company.

4. (d) The date the policy is delivered to the applicant in good health.

5. (e) Within one month of application.