1) Welcome, Robert! You've come to a great place.
2) Most insurance companies ask if the aircraft is in annual when you sign or renew a lease, you can be denied simply because of that (fraud), and most policies (I've had 3 separate ones) state the aircraft must be in annual (goes with the clause about busting regulations) for the aircraft to be covered in flight.
Jeff Hersom N3740J '67 150G "Gremlin"
Hangar W-6, Helena Regional Airport
Places I have landed Gremlin:
![[Linked Image from visitedstatesmap.com]](https://visitedstatesmap.com/image/ALAKFLGAIDILINIAKSKYLAMIMNMSMOMTNENCNDOHOKSDTNTXWIWYsm.jpg)