In relation to free look, which is the correct starting point?

• A. Date of policy issue
• B. Date of contract delivery
• C. Date the contract is delivered to the client
• D. Date the underwriting is completed

Answer: (B)

Free look begins when the contract is delivered to the client. This is the moment the policyowner actually has the document in hand to read, understand the coverage, and decide whether to keep it. The clock doesn’t start at the policy issue date or the underwriting completion date because those occur before the client has the contract to review. The delivery date marks the point at which the client can exercise the free-look rights within the required window (commonly around 10 days, though the exact period can vary by jurisdiction).