California Insurance Code & EthicsQuestion 69 of 716
Under California's Long-Term Care Insurance Reform Act, the standard free-look period for an individual LTC policy is:
a.30 days
b.60 days
c.10 days
d.20 days
Explanation
LTC policies issued in California must offer a 30-day right to return for a full refund. This is broader than the 10-day standard life free look and equals the senior life/annuity free look.
Law Reference: Cal. Ins. Code §10232.25This 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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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)