Miguel applied for a disability insurance policy nearly three months ago. He recently received notice from his agent that his application was approved, with an exclusion applicable to his lower back due to a prior injury. The agent brought the exclusion amendment with the policy at the delivery appointment. Miguel signed and accepted it$.$ He gave the agent a copy of a void cheque to set up direct billing for the premiums, but asked that they wait three days to draw the fist premium, to coincide with his pay day. The insurer drew the premium three days later, asrequested.When did Miguel's policy take effect?Ear FeeThe policy has been in effect ever since Miguel$/$s initial application.The policy took effect when Miguel received notice of approval.The policy took effect when Miguel signed the policy and the amendment.The policy took effect when the insurer was able to draw the first premium.