State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
A California insurer issues a life policy but fails to deliver it by any of the methods required under CIC Section 10113.6. If premiums have been paid, the policy is deemed to have been received by the policyowner how many months after the date of issuance?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Section 10113.6(c), if an insurer does not deliver a policy by an acceptable method, the policy is deemed received by the owner six months after the date of issuance if premiums have been paid. This constructive-delivery rule protects the policyowner by ensuring the free-look period and other statutory deadlines can begin even when the insurer's delivery evidence is defective.
Why the other options are wrong
- B) Two months is not the statutory deemed-receipt period; the statute specifies six months.
- C) Twelve months is not the deemed-receipt period; six months after issuance is the rule.
- D) Thirty days is a common free-look floor for older insureds, not the deemed-delivery rule of Section 10113.6(c).
Memory hook
No proof of delivery? The law pretends the policy arrived six months after issue, as long as premiums were paid.