When does Florida's 14-day free-look period for life insurance policies commence?

The 14-day free-look period for life insurance policies in Florida commences from the date of delivery of the policy to the policyholder. This means that once the insured receives the policy documents, they have a 14-day window during which they can review the policy and decide whether to keep it or cancel it without incurring any penalty. This provision is designed to protect consumers, allowing them to ensure that they are satisfied with the terms and conditions of their life insurance policy before they commit to it fully.

Other choices are not correct as they imply that the start of the free-look period would be linked to moments prior to the actual delivery of the policy, such as at the time of application or upon activation—neither of which gives the insured the necessary time to understand the policy's benefits and terms. The policy must be in hand for the insured to make an informed decision.