On january 8, an applicant filled out and application for a life insurance policy but did not include the initial premium. the insurance company approved the application on january 14 and issued the policy january 15. the producer delivered the policy on january 26 and collected the first premium. when did the coverage become effective?

Americans often speak of their country as one of several large regions.  these regions are cultural units rather than governmental units --  formed by history and geography and shaped by the economics, literature and folkways that all the parts of a region share. what makes one region different from another? a region's multicultural heritage as well as distinct demographic characteristics like age and occupation make regions different and special. within several regions, language is used differently and there are strong dialects. there are also differences in outlook and attitude based on geography.