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December 1, 2006, Newsletter Issue #53: The Free Look Clause
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Tip of the Week
The "free look clause" in an insurance policy is a consumer protection clause. It states that the consumer has a certain number of days, usually ten, to review the terms of a health insurance policy once receiving it. If you decide the policy does not suit you, or if you feel the terms as stated in the policy contradict what you discussed with the agent or insurance company, you can return and cancel the policy and receive a full refund of any premiums paid. Make sure you adhere to the terms of the free look clause to avoid any hassles. It is suggested you remember that not all policies offer a free look clause, so when you are shopping for policies make sure to ask about this.
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