Under CIC Section 10113.6, which is an acceptable method for an insurer to deliver a life insurance policy so that the statutory cancellation (free-look) period begins?

Why D is correct

Section 10113.6 lists acceptable delivery methods: 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. These methods create evidence of delivery so the statutory free-look period can run from a provable date. If the insurer fails to deliver by an acceptable means, it bears the burden of proving delivery in any dispute, and a policy may be deemed received six months after issuance if premiums were paid.

Why the other options are wrong

• A) Leaving a policy unattended provides no proof of receipt and does not satisfy the statute's delivery requirements in any respect.
• B) Delivery to someone who is not the owner does not establish that the owner actually received the policy, so the period cannot reliably run.
• C) First-class mail alone is insufficient under the statute; it must be accompanied by a signed, written receipt of delivery.

Memory hook

Prove the handoff: certified mail or a signed receipt. No proof, no running clock.