State RegulationsTX specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under 28 TAC 4.2310, when must a Texas agent deliver the Buyer's Guide 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 required disclosure statement must be delivered to the applicant at or before the time the application is taken. Delivering it only at policy delivery, or only on request, does not satisfy the rule. There is also a consequence under 28 TAC 4.2311: if the Buyer's Guide and disclosure are not provided at or before application, the owner's right to return the contract is extended to at least fifteen calendar days beginning when the consumer receives the contract.
Why the other options are wrong
- A) Delivery together with the policy is too late; 28 TAC 4.2310 requires delivery at or before the time the application is taken.
- B) Delivery is not optional or request-based; 28 TAC 4.2310 requires it at or before the application.
- C) Providing the Buyer's Guide during the free-look period is too late and triggers the longer return period under 28 TAC 4.2311.
Memory hook
The Buyer's Guide goes out at the kitchen table, not at delivery.