Summary
When the Save Age date falls on the 29th, 30th or 31st of a month, the policy will be dated on the 28th of that month. Example: DOB=Aug 1st, Save Age Date = Jan 31st, Policy effective date will be Jan 28th For all Whole Life and Term policies, subtract one day from the resulting save age date in the chart.
Body
When the Save Age date falls on the 29th, 30th or 31st of a month, the policy will be dated on the 28th of that month. Example: DOB=Aug 1st, Save Age Date = Jan 31st, Policy effective date will be Jan 28th For all Whole Life and Term policies, subtract one day from the resulting save age date in the chart Policies can only be backdated a maximum of 6 months from the later of the Part 1 or Part 2 date (3 months in the contract state of Ohio). See here for downloadable chart.