State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Insurance Code Section 10127.10, when a life insurance policy or annuity is being replaced for a senior aged 60 or over, the insurer must provide the required notice in what format?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California Insurance Code Section 10127.10 requires that when a life insurance policy or annuity replaces an existing contract for an applicant age 60 or older, the notice must be printed in no smaller than 12-point bold type, and the senior has at least 30 days to cancel. The bold-type requirement ensures the senior cannot miss the disclosure. Violations of the senior protection rules carry serious penalties.
Why the other options are wrong
- B) The statute specifies a 12-point bold-type notice; colored paper and photographs are not required by law.
- C) The delivery method is not limited to certified mail; the requirement concerns the size and boldness of the printed notice.
- D) The notice must be written in the policy documents; a video or meeting does not substitute for the statutory written notice.
Memory hook
60+ and replacing? The fine print must be big, bold, and at least 12 points.