State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A 68-year-old California consumer purchases a life insurance policy. Under California Insurance Code Section 10127.10, the consumer's right to cancel the policy lasts for at least:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 10127.10 gives senior citizens age 60 and older a cancellation (free-look) right of at least 30 days on life insurance policies, with a full refund of premiums paid. For consumers under 60, Section 10127.9 requires a free-look period of 10 to 30 days at the insurer's option. The senior's longer protection window is a high-frequency exam fact.
Why the other options are wrong
- B) Ten days is the minimum for consumers under 60 under Section 10127.9 — not the senior standard.
- C) Sixty days is the grace period for late premium payment, a different concept from the cancellation right.
- D) Ninety days is not a California free-look duration for life insurance.
Memory hook
Age 60+ = at least 30 days to change your mind. Under 60 = 10 to 30 at the insurer's choice. Seniors get the longer cooling-off window.