Hey Marie,

Please forgive me, somehow I overlooked this question from you.  This question is pretty much bogus and needs reworking.  Thank you for pointing it out.  

In health insurance the "free look" is 10 days not 14 days.  See page 361 in the study manual.

When we look at this question, assuming that the premise of policy delivery is viable, I believe that the answer would be 14 days from July 9th and therefore the answer would be A or July 23.  Your thoughts about constructive receipt is very perceptive, however the question does not hint that constructive receipt is in play here.  Please note that almost all policies being delivered in today's world requires a signed and dated policy delivery receipt executed by the policy owner.  One other thought is that remember that the agent is responsible to the insurer first.  In our consumer driven world, to protect the company, the "free look" would almost always start on the date that the policy owner physically receives the policy.  This practice would make sure that the policy owner would receive the full time allotted to decide whether or not to keep the policy.  I hope this helps.

Jerry Bateman