A producer persuades a client to replace her existing life policy with a new, richer policy issued by the same insurer that wrote the original coverage. Under the Pennsylvania right-to-examine provision, how long does the client have to return the new policy for a refund?

Why C is correct

40 P.S. § 510C extends a 45-day right to examine when the life policy being purchased replaces a policy issued by the same insurer or insurer group. Pennsylvania deliberately stretches the free look in this situation because an internal replacement is where policyholders are most easily induced to churn their own coverage, and the state wants the consumer to have ample time to re-examine the trade. The producer should expect the return-premium refund obligation and the prominent page-one notice of the right to examine that 40 P.S. § 510C attaches to the tier.

Why the other options are wrong

• A) 10 days is the standard tier for a purchase that replaces nothing; an intra-insurer replacement earns the buyer the extended 45-day period.
• B) 20 days is the tier for a replacement issued by a different insurer or insurer group; the same-insurer replacement gets twice that.
• D) 30 days echoes the grace-period formulation in 40 P.S. § 510(b) and has nothing to do with the right-to-examine tiers of 40 P.S. § 510C.

Memory hook

Same insurer, longer look: 45 days to reconsider switching within the family.