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Q applied for life insurance and submitted the initial premium on January 1. The policy was issued February 1, but it was not delivered by the agent until February 7. Q is dissatisfied and returns the policy February 13. How will the insurer

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Q applied for life insurance and submitted the initial premium on January 1. The policy was issued February 1, but it was not delivered by the agent until February 7. Q is dissatisfied and returns the policy February 13. How will the insurer handle this situation?
Premium will be fully refunded minus a surrender charge
Policy was not returned within the free-look period, premium will not be refunded
Policy was returned within the free-look period, premium will be fully refunded
Premium will be fully refunded minus a prorated amount for the period of February 7 – February 13

 
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