SUMIF today is more than 31 days past date in cell

I sell insurance and am trying to create a formula for a tracker I use for my sales. I want the formula to add up the sum of premiums for policies that have had 2 payments made, so 1 month after the effective date. What would a formula look like if I wanted to sum the annual premium in column D if todays date is equal to or greater than 31 days after the date in column G? Would SUMIF be the best way to do this?

Thanks!