Under New Jersey rules, what is the standard free-look period on an individual life insurance policy that does not involve a replacement?

Why this is the answer

For non-replacement individual life policies issued in New Jersey, the standard free-look period is 10 days from delivery. The applicant may return the policy for a full premium refund. Replacement transactions extend the period to 30 days under N.J.A.C. 11:4-2.