Can I get clarification on when the Free Look provision is applied?  I'm trying to determine when the clock starts ticking to apply the 14 day review.  What is the definition of policy delivery? When the insurer hands off to the agent? Or, when the agent hands of physically to the policyowner?

In the study manual, I found this verbiage related to policy delivery in the Life Insurance section. Does it apply to health?

"From a legal standpoint, policy delivery may be accomplished without physically delivering the policy into the policyowner's possession.  Constructive delivery, which satisfies the legal interpretation, is accomplished technically if the insurance company intentionally relinquishes all control over the policy and turns it over to someone acting for the policyowner, including the company's own agent.  Mailing the policy to the agent for unconditional delivery to the policyowner also constitutes constructive delivery, even if the agent never personally delivers the policy."

In the Health exam, I interpreted that policy delivery occurred when the insurer relinquished the policy to the agent on July 1 since I applied the constructive delivery definition.  However, the exam answer indicates that the 14 day doesn't start until the policyowner receives it physically.

n June 1, Wendy purchased a Major Medical policy and paid the initial premium to Agent Jack. On July 1, Jack received the policy from the insurer. The policy had a standard fourteen-day Free Look provision. On July 4th, Jack attempted to deliver the policy but found that Wendy was on vacation. On July 9th the policy was delivered to Wendy. On July 14th Wendy decided she did not want the policy. What was the last day Wendy could return the policy for a full refund?

Select one:

A. July 23

B. July 11

C. July 14 

D. August 14