Adrian Applies for a Life Insurance Policy That Is Expressly

Adrian applies for a life insurance policy that is expressly contingent on him passing a physical examination. The effective date of the policy is the date

A) Adrian submits the application, but before passing his physical.
B) the life insurance company accept the first premium.
C) the life insurance company issues the policy.
D) continuously from the application date if Adrian pays the first premium and passes his physical.