To an authorized agent
When payment of a renewal premium is made to an agent who is authorized to receive payments, there are generally no problems as long as the agent forwards the payment to the insurer according to McGill’s legal Aspectsof Life Insurance.
To the policy owners agent
It should be clear that payment of a premium to an agent of the policy owner does not constitute payment to the insurance company.
If the applicant has paid an advance premium and been give a premium receipt, the policy may be dated as of the date of the premium receipt. This will be an earlier date that the issue date. The policy date may also be earlier than the issue date if the applicant has asked that the policy be backdated.