State RegulationsGA specificDifficulty 3/5
A Georgia policyholder never acknowledges receipt of his new individual life policy, and the insurer cannot show actual delivery. Under O.C.G.A. § 33-25-8, when is the purchaser deemed to have received the policy for purposes of the free-look period?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under O.C.G.A. § 33-25-8, if actual delivery cannot be shown, the purchaser is deemed to have received the policy six months after the effective date or after two premium notices have been sent, whichever is longer. The longer alternative protects the purchaser's 10-day examination right, and certified-mail return is prima-facie evidence of a timely return.
Why the other options are wrong
- A) The statute uses whichever period is longer, not shorter — the longer alternative favors the purchaser.
- B) Thirty days after the first premium notice is not a deemed-receipt rule in Georgia law.
- C) A flat one-year rule appears nowhere in the free-look provision; the statutory alternative is six months or two notices, whichever is longer.
Memory hook
Six months or two notices — take the longer.