State RegulationsNY specificDifficulty 1/5
A New York policyholder wants a copy of the application attached to her life policy. Under N.Y. Ins. Law, she may request it within how long after the policy is issued?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under N.Y. Ins. Law §3203(a)(4), the policyholder may request a copy of the application within 15 days after the policy is issued, or the application may be delivered as part of the policy itself. This lets the owner verify exactly what statements became part of the entire contract. The 15-day request window is measured from the date of issue.
Why the other options are wrong
- A) 10 days is the minimum unconditional refund period under §3209(d)(7), not the application-copy window.
- B) 30 days is the mail-order free-look period and the accelerated benefit processing deadline under §3230(a)(1), not the application-copy window.
- D) 45 days is the group life conversion extension under §3220(a)(8), not the application-copy window.
Memory hook
Ask for your application copy within 15 days of issue.