State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
To start the free-look period running, a California insurer must deliver a life insurance policy to the policyowner by an acceptable method. Which of the following is an acceptable method under CIC Section 10113.6?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Section 10113.6, an insurer that must deliver a life policy to start the free-look period must do so by registered or certified mail, personal delivery with a signed written receipt, first-class mail with a signed written receipt, or other reasonable means determined by the commissioner. If the insurer does not use an acceptable method, it bears the burden of proving delivery if the owner disputes it.
Why the other options are wrong
- B) Unverified physical placement does not meet any of the enumerated delivery methods and shifts the burden of proof to the insurer.
- C) Ordinary mail without a signed receipt is not an acceptable method because it provides no proof of delivery.
- D) Delivery through a third party not authorized by the statute does not satisfy the delivery requirement.
Memory hook
Delivery needs proof: registered mail, personal hand-off with a signature, or certified receipt. No proof, no clock running.