Will my reinstated policy be effective from the approval date?

No, once approved, your policy is backdated to the date you completed all reinstatement steps:

• Paid the amount due
  
  
• Answered any required questions
  
  
• Signed the documents
  
  

That means you’re covered starting from that date, even if processing takes a few days. For example, if you requested a reinstatement on June 1 but the insurance provider doesn't approve it until June 4, your policy will be effective starting June 1. That means you're covered during the waiting period, even while the provider was still reviewing your request.