State RegulationsFL specificDifficulty 3/5
A Florida health insurer mails the policyowner written notice of nonrenewal at least 30 days before the policy's expiration, and the renewal premium is unpaid at expiry. What grace period applies?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Fla. Stat. 627.608, the mode-based grace periods of 7, 10, and 31 days do not apply when the insurer has given at least 30 days' written notice of nonrenewal before the policy's expiration. The grace period exists to protect policyowners from inadvertent lapses; where the insurer has clearly warned of nonrenewal in advance, Florida law does not extend the cushion.
Why the other options are wrong
- A) The 10-day monthly-mode grace is displaced by the timely nonrenewal notice.
- B) The 31-day other-mode grace likewise yields to the notice.
- D) The 30-day life-insurance minimum under Fla. Stat. 627.453 does not control health policies, and nonrenewal notice would end the health grace regardless.
Memory hook
30 days' nonrenewal notice kills the health grace.