After delivery of an individual life insurance policy, how many days does Florida law provide for the policyowner to examine the policy and return it for a full refund of premium?

Why this is the answer

Florida law gives the owner of an individual life insurance policy a 14-day free look period beginning when the policy is delivered. During the free look, the owner may return the policy to the insurer for any reason and receive a full refund of premium paid. The free look is distinct from the grace period (which allows late payment after issue) and from any rescission rights that arise later. The 10-day distractor reflects the older national baseline some states still use; 30 days applies to individual long-term care policies (§627.9407(8)); 21 days applies to all fixed and variable annuities (§626.99(4)(b)). Per the Florida Agent's Health & Life Exam Content Outline §II.B.3.