Indicative
Present Indefinite
I effect insurance
you effect insurance
he/she/it effects insurance
we effect insurance
you effect insurance
they effect insurance
Present Continuous
I am effecting insurance
you are effecting insurance
he/she/it is effecting insurance
we are effecting insurance
you are effecting insurance
they are effecting insurance
Present Perfect
I have effected insurance
you have effected insurance
he/she/it has effected insurance
we have effected insurance
you have effected insurance
they have effected insurance
Present Perfect Continuous
I have been effecting insurance
you have been effecting insurance
he/she/it has been effecting insurance
we have been effecting insurance
you have been effecting insurance
they have been effecting insurance
Past Indefinite
I effected insurance
you effected insurance
he/she/it effected insurance
we effected insurance
you effected insurance
they effected insurance
Past Continuous
I was effecting insurance
you were effecting insurance
he/she/it was effecting insurance
we were effecting insurance
you were effecting insurance
they were effecting insurance
Past Perfect
I had effected insurance
you had effected insurance
he/she/it had effected insurance
we had effected insurance
you had effected insurance
they had effected insurance
Past Perfect Continuous
I had been effecting insurance
you had been effecting insurance
he/she/it had been effecting insurance
we had been effecting insurance
you had been effecting insurance
they had been effecting insurance
Future Indefinite
I will effect insurance
you will effect insurance
he/she/it will effect insurance
we will effect insurance
you will effect insurance
they will effect insurance
Future Continuous
I will be effecting insurance
you will be effecting insurance
he/she/it will be effecting insurance
we will be effecting insurance
you will be effecting insurance
they will be effecting insurance
Future Perfect
I will have effected insurance
you will have effected insurance
he/she/it will have effected insurance
we will have effected insurance
you will have effected insurance
they will have effected insurance
Future Perfect Continuous
I will have been effecting insurance
you will have been effecting insurance
he/she/it will have been effecting insurance
we will have been effecting insurance
you will have been effecting insurance
they will have been effecting insurance
Conditional
Conditional Present
I would effect insurance
you would effect insurance
he/she/it would effect insurance
we would effect insurance
you would effect insurance
they would effect insurance
Conditional Present Continuous
I would be effecting insurance
you would be effecting insurance
he/she/it would be effecting insurance
we would be effecting insurance
you would be effecting insurance
they would be effecting insurance
Conditional Perfect
I would have effected insurance
you would have effected insurance
he/she/it would have effected insurance
we would have effected insurance
you would have effected insurance
they would have effected insurance
Conditional Perfect Continuous
I would have been effecting insurance
you would have been effecting insurance
he/she/it would have been effecting insurance
we would have been effecting insurance
you would have been effecting insurance
they would have been effecting insurance