State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Insurance Code Section 10113.6, which of the following is NOT an acceptable method for an insurer to deliver a life insurance policy so that the statutory cancellation (free-look) period begins to run?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 10113.6 requires that delivery be accomplished 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. Ordinary first-class mail without a signed receipt is not on the permitted list. If the insurer does not deliver by an acceptable method, the burden of proof of delivery falls on the insurer. The free-look period only starts once delivery is properly made.
Why the other options are wrong
- B) Registered or certified mail is an expressly permitted delivery method under subdivision (a)(1).
- C) Personal delivery with a signed, written receipt is expressly permitted under subdivision (a)(2).
- D) First-class mail accompanied by a signed, written receipt is expressly permitted under subdivision (a)(3).
Memory hook
Delivery needs proof: certified, personal, or receipted first-class mail. No receipt, no running clock, insurer bears the burden.