What is the free-look period typically in PA?

• A. 30 days
• B. 10 days
• C. 15 days
• D. 5 days

Answer: (B)

A free-look period is a cooling-off window that lets you review a new life insurance policy after it’s delivered and cancel if you’re not satisfied. In Pennsylvania, the typical duration of this period is ten days from the date the policy is delivered. If you decide to cancel within those ten days, you get a full refund of premiums paid, and the policy is treated as though it never existed. The count starts at delivery, not when the policy was issued or mailed. This protection mainly applies to individual life insurance policies; group policies can have different rules. The ten-day timeframe reflects Pennsylvania practice, whereas longer or shorter periods aren’t the standard in the state.