Which statement is true about the start date of the 10-day free look?

• A. Date of policy issue
• B. Date of contract delivery
• C. Date the application is signed
• D. Date underwriting approval

Answer: (B)

The start date for the 10-day free look is the date the contract is delivered to the client. Once the policy documents are actually delivered, the client can review the terms, coverage, and premium and decide whether to keep the policy. The issue date, application signing date, or underwriting approval occur earlier in the process and don’t give the insured access to the policy itself, so they don’t start the free-look period. Delivery marks the point at which the buyer can assess what they are purchasing and consider cancellation within the 10-day window if needed.