Under the required Grace Period provision in a California individual accident & health policy paid on a quarterly mode, the grace period is:
Explanation
California Insurance Code §10350.6 (mirroring the NAIC Uniform Individual Accident and Sickness Policy Provisions Law) requires the following grace period based on premium mode: 7 days for weekly mode, 10 days for monthly mode, and 31 days for any other mode (quarterly, semi-annual, annual). During the grace period the policy remains in force; if the insured suffers a covered loss during the grace period, the insurer may deduct any unpaid premium from the claim payment. The 7-day period applies only to weekly-paid coverage. The 10-day period applies only to monthly mode. The 21-day period is fabricated. For quarterly mode, the grace period is 31 days. (Contrast with the LIFE insurance grace period under §10113.5, which is 60 days/2 months in California.)
Law Reference: Cal. Ins. Code §10350.6 (grace period — A&H)This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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