A consumer in Sterling Heights buys a long-term care policy through the mail as a direct-response sale, while her neighbor buys an identical policy from a local agent. Under M.C.L. 500.3943, which statement about the right to return the policy for a full premium refund is correct?

Why D is correct

M.C.L. 500.3943 applies to both agent-sold and direct-response long-term care sales alike: either policyowner may return the policy within 30 days after delivery for a full premium refund. The statute also requires that the right be disclosed through a notice on the first page of the policy and in the summary of coverage, so the channel of sale does not change the protection. Even though a consumer toolkit page describes a shorter window, the statute provides the 30-day period for both channels.

Why the other options are wrong

• A) The return right is not limited to agent-sold policies; direct-response buyers receive the same protection.
• B) The return right is not limited to direct-response sales; an in-person buyer has the identical 30-day right.
• C) The statute does not shorten the period for mail sales; both channels get the same 30-day return right.

Memory hook

Same policy, same right: 30 days whether bought by mail or through an agent.