State RegulationsTX specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under the Texas Buyer's Guide and policy summary rule, when must a Texas producer provide the Buyer's Guide and the policy summary to an applicant for individual life insurance?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under 28 TAC 4.2310, the Buyer's Guide and the policy summary must be delivered to the applicant at or before the time the application is taken, so the buyer has comparative information before committing to the purchase. The practical consequence of missing that deadline is not merely a paperwork finding: under 28 TAC 4.2311 the buyer's right to return is extended to at least 15 calendar days beginning when the consumer receives the contract, with a refund owed if the contract is returned.
Why the other options are wrong
- A) Delivering the documents after issue defeats their purpose, because the buyer needs the comparison before deciding to buy.
- B) The duty applies no matter how the application is taken; a remote or mail channel does not reduce it.
- C) Delivery is mandatory rather than on request; the applicant's failure to ask does not relieve the producer of the duty.
Memory hook
Buyer's Guide before the ink — information first, signature second.