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Policy Effective Date Calculator

Calculate a policy’s expiration date, days in term, days remaining, renewal marketing date and non-renewal notice deadline.

How the policy effective date calculator works

Term dates drive everything from pro-rata math to statutory notice deadlines. This calculator finds the expiration date for any term and the latest date a non-renewal or conditional renewal notice can be mailed.

Formula

Expiration = Effective + Term. Notice deadline = Expiration − Required notice days.

How to use it

  1. Enter the effective date and choose the term.
  2. Enter the notice period required in your state and line.
  3. Enter how far ahead you start renewal marketing.

Worked example

A 12-month policy effective March 15 expires March 15 the next year; with 60 days’ notice, non-renewal notices must go out by January 14.

Frequently asked questions

Does the policy end at midnight?

Most commercial policies run from 12:01 a.m. standard time at the insured’s mailing address.

How much notice is required for non-renewal?

It varies by state and line — commonly 30 to 60 days for commercial and up to 90+ for some. Check the statute.

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