Which of the following statements pertaining to delivery of a life insurance policy is NOT correct?

A) An insurer issues a policy (after the initial premium has been paid) and sends it to the agent for unconditional delivery, but the agent postpones delivery. This is an example of constructive delivery.

B) An insurer issues a policy (before the initial premium has been paid) and sends it to the agent with instructions not to deliver it unless the applicant is in good health. This is an example of constructive delivery.

C) From a legal perspective, a policy may be delivered by mail instead of in person if all necessary conditions have been met.

D) An insurer issues a policy (after the initial premium has been paid) and sends it to the agent for unconditional delivery to the policyowner. This is an example of constructive delivery.

Answer: B) An insurer issues a policy (before the initial premium has been paid) and sends it to the agent with instructions not to deliver it unless the applicant is in good health. This is an example of constructive delivery. **If the insurer places a condition on the delivery, there is no constructive delivery

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