A Michigan insurer has decided not to renew an insured's renewable individual accident and health policy when the current policy period ends. What notice must the insurer provide?

Why D is correct

Under M.C.L. 500.3410, for renewable Michigan individual accident and health policies the insurer must give the insured 5 days' prior notice of its intent not to renew. This short but mandatory warning window ensures the insured learns of the impending termination before the renewal date rather than discovering after the fact that coverage has ended, giving time to seek replacement coverage. The rule is tied to the nonrenewal decision, not to mid-term cancellation for other reasons.

Why the other options are wrong

• A) 10 days is not the statutory nonrenewal notice period for renewable A&H policies; the statute sets 5 days.
• B) Notice after the renewal date would leave the insured uncovered without warning; the statute requires notice before nonrenewal, and 31 days is not that requirement.
• C) M.C.L. 500.3410 expressly requires prior notice of intent not to renew, so silence is not permitted.

Memory hook

Dropping a renewable A&H policy? Give 5 days' heads-up first.