Under Pennsylvania's replacement rules in 31 Pa. Code Ch. 81, what is the minimum free-look (right-to-return) period on a REPLACEMENT annuity?

Why this is the answer

Standard PA free-look is 10 days, but Chapter 81 doubles the period to 20 days whenever the transaction is a replacement of an existing life insurance policy or annuity. This gives the consumer extra time to compare the new contract to the one being replaced.