In a Florida replacement transaction, within what time must the replacing insurer mail the Comparative Information Form (OIR-B2-313) after receiving the request, the application, and the replacement notice?

Why D is correct

Under F.A.C. 69B-151.007, on request the replacing insurer must mail the Comparative Information Form OIR-B2-313 within 5 working days after receiving the application and the replacement notice, or by the policy issue date, whichever is earlier. The form gives the applicant side-by-side information comparing the old and new policies, and the DFS checks these timelines during market-conduct examinations.

Why the other options are wrong

• A) Ten days is the window the existing insurer has to furnish the comparative information it is asked for, not the replacing insurer's deadline.
• B) Thirty days plays no role in the replacing insurer's comparative-information deadline.
• C) 'Immediately' describes the duty to forward the signed B2-312 to the existing insurer; the B2-313 gets 5 working days.

Memory hook

Replacing insurer: 5 working days for the comparison form.

Why C is correct

Under F.A.C. 69B-151.007, when the applicant requests it, the replacing insurer must mail the Comparative Information Form OIR-B2-313 within 5 working days of receiving the application plus the replacement notice, or of the policy's issue date, whichever is earlier. The whichever-is-earlier trigger prevents the insurer from delaying the comparison past the point where the consumer can still act on it.

Why the other options are wrong

• A) Ten days is the existing insurer's deadline under F.A.C. 69B-151.008 for providing the B2-313 valued on the current policy year.
• B) The rule sets a 5-working-day standard keyed to the application or issue date, not an immediate-mailing duty.
• D) Three years is the minimum record-retention period for the transaction, not a mailing deadline.

Memory hook

B2-313: five working days from the earlier of application or issue.