An applicant purchases an ordinary individual life policy in Massachusetts with a face amount above $25,000. The sale involves no replacement, and the product is neither variable, long-term care, nor Medicare supplement coverage. Which statement about the right to examine is correct?

Why D is correct

Massachusetts has no general statutory free look for ordinary life insurance. M.G.L. c. 175, § 187H provides its 10-day right only for individual life policies with a face amount below $25,000, and the other free-look periods attach by product or transaction — 20 days for a replaced life policy or annuity under 211 CMR 34.06(1)(d), and 30 days for Medicare supplement coverage under 211 CMR 71.13. For an ordinary larger-face policy with none of those features, no free-look right applies. Assuming a universal 10-day life free look is the classic Massachusetts trap.

Why the other options are wrong

• A) M.G.L. c. 175, § 187H does not apply because this policy's face amount exceeds $25,000; the 10-day right is confined to the small-face scope.
• B) The 20-day period of 211 CMR 34.06(1)(d) belongs to the replacement transaction, and this sale involves no replacement.
• C) The 30-day right-to-return under 211 CMR 71.13 belongs to Medicare supplement coverage, a different product from this ordinary life policy.

Memory hook

The Massachusetts free look rides with the product — and § 187H stops at $25,000.