State RegulationsVA specificDifficulty 1/5
How long is the free-look period for a long-term care policy delivered in Virginia?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Va. Code § 38.2-5208 gives long-term care applicants in Virginia a 30-day right to return: the policy may be returned within 30 days after delivery for a full refund of premiums, and the returned policy is void from inception as if it had never been issued. The 30-day LTC free look is a core consumer protection in a product purchased far in advance of need, and it is administered alongside the Bureau of Insurance's long-term care rules in the Virginia Administrative Code.
Why the other options are wrong
- A) 10 days is the free-look style period for other lines of coverage, not for long-term care policies.
- B) 63 days is a Medicare supplement guaranteed-issue window, not an LTC free look.
- D) 6 months evokes the preexisting-condition window, which measures claim denials, not the free look.
Memory hook
LTC free look = 30 days, void from the start, money back — no questions.