L&HOhiomedium
Under Ohio's Life Insurance Buyer's Right (LIBR) rules tied to OAC 3901-6-05, when must the Buyer's Guide be delivered to an applicant?
AWithin 30 days after policy issue
BAt the first premium notice
At or before the time of application
DOnly on written request by the applicant
Why this is the answer
Ohio's LIBR delivery rule requires that the Buyer's Guide and policy summary be furnished at or before the time of application so consumers can comparison-shop before committing, especially in replacement transactions.
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