State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
To start the free-look cancellation period running under California Section 10113.6, an insurer must deliver a life insurance policy by which method?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 10113.6 lists the acceptable delivery methods that start the statutory cancellation (free-look) period: registered or certified mail; personal delivery with a signed, written receipt; first-class mail with a signed, written receipt; or other reasonable means determined by the Commissioner. If the insurer cannot prove delivery by one of these methods, the burden of proof falls on the insurer in any dispute with the owner. Delivery also matters because a policy must be delivered before the owner can exercise the right to return it.
Why the other options are wrong
- B) Leaving the policy at a doorstep provides no proof of delivery and does not satisfy the statute.
- C) Email without acknowledgment is not one of the statute's permitted methods and gives no proof of delivery.
- D) Delivery to the agent alone, without delivery to the owner with a signed receipt, does not start the period.
Memory hook
Policy delivery means signed proof; no receipt, no running free-look clock, and the insurer bears the burden.