State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under CIC Section 10113.6, an insurer must deliver a life insurance policy by registered or certified mail, by personal delivery with a signed written receipt, or by first-class mail with a signed written receipt. The primary purpose of obtaining the signed delivery receipt is to:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 10113.6 is expressly directed at the insurer's duty to deliver the policy in a way that starts the period during which the owner may exercise a statutory right to return the policy for cancellation (the free-look period). The signed receipt proves delivery and establishes when that period begins to run. If delivery is not proved by the specified means, the burden shifts to the insurer to establish delivery in any dispute.
Why the other options are wrong
- B) Insurability is determined during underwriting, before issue, not by the delivery receipt.
- C) The receipt has nothing to do with commissions; it documents the policyowner's receipt of the contract.
- D) Delivery does not transfer ownership; the policyowner already owns the policy, and beneficiaries hold no ownership rights.
Memory hook
Delivery receipt = starts the free-look clock. Signing proves when the return window opens.