State RegulationsNY specificDifficulty 1/5
Under the entire-contract provision required in New York life policies, for how long after the policy is issued may the policyholder request a copy of the application?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under N.Y. Ins. Law §3203(a)(4), the policyholder may either receive a copy of the application as part of the policy or request one within fifteen days after the policy is issued. This lets the owner verify the representations that became part of the entire contract and are governed by §3204.
Why the other options are wrong
- A) Ten days is the statutory minimum free-look period under §3203(a)(11) and §3209(d)(7), not the application-copy window.
- B) Thirty days is the mail-order free-look period, not the period for requesting a copy of the application.
- C) Thirty-one days is the life insurance grace period under §3203(a)(1), a different required provision.
Memory hook
Fifteen days to fetch your application copy.