The STANDARD (non-senior) free-look (right-to-examine) period required for an individual life insurance policy delivered in California is at least:
Explanation
California Insurance Code §10127.9 requires a minimum 10-day free-look period for individual life insurance policies delivered to non-senior buyers (under age 60). During this period the policyowner may return the policy for a full premium refund. For buyers age 60 or older the period is extended to 30 days under §10127.10 — one of California's strongest senior consumer protections. For variable life and variable annuities, additional federal disclosure rules apply, but the 10-day baseline is the California minimum for adults under 60. The 5-day figure is below the statutory floor. The 20-day figure is not a recognized California window at all. The 30-day figure is the SENIOR free-look, not the standard one. Always distinguish: 10 days (standard adult) vs. 30 days (age 60+).
Law Reference: Cal. Ins. Code §10127.9 (standard free-look)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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Related questions on this topic
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