A life policy was issued in New York without the application attached to it. The policyholder may request and receive a copy of the application from the insurer within:

Why C is correct

Under N.Y. Ins. Law §3203(a)(4), the policyholder may request and receive a copy of the application within 15 days after the policy is issued, unless the application was already attached to and delivered with the policy. Keeping the application available lets the policyholder verify exactly what was represented in the contract.

Why the other options are wrong

• A) 10 days is the free-look minimum for an ordinarily delivered policy, not the application-copy window under §3203(a)(4).
• B) 30 days is the outer limit of the free-look return window and the mail-order refund period, not the application-copy period.
• D) 31 days is the life insurance grace period figure for non-flexible-premium policies, not the application-copy window.

Memory hook

15 days to fetch your application copy.