Under CIC §10113.6, which is an acceptable method of delivering a life insurance policy so that the cancellation (free look) period begins?

Why A is correct

CIC §10113.6 lists acceptable delivery methods: registered or certified mail; personal delivery with a signed, written receipt; first-class mail with a signed, written receipt; or other reasonable means approved by the commissioner. A signed receipt proves the policy was delivered so the free-look period can start running. If the insurer uses a method not on the list and a dispute arises, the burden of proof is on the insurer to establish delivery. The receipt-based methods protect both the insurer and the policyowner by creating clear evidence of when the policy reached the owner's hands.

Why the other options are wrong

• B) Delivery to a neighbor provides no receipt or proof and is not an approved method; the policy could never be shown to have reached the owner. Approved methods all involve documented delivery to the owner.
• C) Website posting alone is not an approved delivery method under the statute, which contemplates receipt-based delivery to the owner. Electronic methods would require commissioner-approved reasonable means, and the insurer must still obtain a signed receipt showing the policy was delivered.
• D) First-class mail without a signed receipt does not satisfy the statute's proof requirement and shifts the burden of proof to the insurer. A signed receipt is the linchpin of approved mailing methods.

Memory hook

Delivery needs a receipt, period. No receipt means the free-look clock never starts.

Why A is correct

Under Section 10113.6, an insurer that must deliver a life policy to start the free-look period must do so by registered or certified mail, personal delivery with a signed written receipt, first-class mail with a signed written receipt, or other reasonable means determined by the commissioner. If the insurer does not use an acceptable method, it bears the burden of proving delivery if the owner disputes it.

Why the other options are wrong

• B) Unverified physical placement does not meet any of the enumerated delivery methods and shifts the burden of proof to the insurer.
• C) Ordinary mail without a signed receipt is not an acceptable method because it provides no proof of delivery.
• D) Delivery through a third party not authorized by the statute does not satisfy the delivery requirement.

Memory hook

Delivery needs proof: registered mail, personal hand-off with a signature, or certified receipt. No proof, no clock running.

Why D is correct

Section 10113.6 lists acceptable delivery methods: registered or certified mail; personal delivery with a signed, written receipt; first-class mail with a signed, written receipt; or other reasonable means determined by the Commissioner. These methods create evidence of delivery so the statutory free-look period can run from a provable date. If the insurer fails to deliver by an acceptable means, it bears the burden of proving delivery in any dispute, and a policy may be deemed received six months after issuance if premiums were paid.

Why the other options are wrong

• A) Leaving a policy unattended provides no proof of receipt and does not satisfy the statute's delivery requirements in any respect.
• B) Delivery to someone who is not the owner does not establish that the owner actually received the policy, so the period cannot reliably run.
• C) First-class mail alone is insufficient under the statute; it must be accompanied by a signed, written receipt of delivery.

Memory hook

Prove the handoff: certified mail or a signed receipt. No proof, no running clock.