{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3301.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3301.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3301.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3301.html"}],"law_id":64455,"edition_id":1,"section_id":64455,"structure_id":13165,"section_number":"38.2-3301","catch_line":"Ten-day right to examine policy","history":"1977, c. 174, \u00a7 38.1-390.1; 1986, c. 562.","full_text":"No individual life insurance policy shall be delivered or issued for delivery in this Commonwealth unless it has printed on it a notice stating in substance that if, during a ten-day period from the date the policy is delivered to the policyowner, the policy is surrendered to the insurer or its agent with a written request for cancellation, the policy shall be void from the beginning and the insurer shall refund any premium paid for the policy. Nothing in this section shall prohibit an insurer from extending the right to examine period to more than ten days if the period is specified in the policy.","order_by":null,"text":{"0":{"id":234561,"text":"No individual life insurance policy shall be delivered or issued for delivery in this Commonwealth unless it has printed on it a notice stating in substance that if, during a ten-day period from the date the policy is delivered to the policyowner, the policy is surrendered to the insurer or its agent with a written request for cancellation, the policy shall be void from the beginning and the insurer shall refund any premium paid for the policy. Nothing in this section shall prohibit an insurer from extending the right to examine period to more than ten days if the period is specified in the policy.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":13165,"edition_id":1,"name":"Life Insurance Policies; Annuities","identifier":"1","label":"article","depth":3,"order_by":1,"parent_id":13164,"metadata":{},"date_created":"2026-06-26 03:44:22","date_modified":"2026-06-26 03:44:22","permalink":{"id":214629,"object_type":"structure","relational_id":13165,"identifier":"1","token":"38.2\/33\/1","url":"\/38.2\/33\/1\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13164,"edition_id":1,"name":"Life Insurance Policies","identifier":"33","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:22","date_modified":"2026-06-26 03:44:22","permalink":{"id":214627,"object_type":"structure","relational_id":13164,"identifier":"33","token":"38.2\/33","url":"\/38.2\/33\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":59653,"structure_id":13165,"section_number":"38.2-3300","catch_line":"Requirements; exceptions","url":"\/38.2-3300\/","token":"38.2\/33\/1\/38.2-3300","metadata":false},{"id":64455,"structure_id":13165,"section_number":"38.2-3301","catch_line":"Ten-day right to examine policy","url":"\/38.2-3301\/","token":"38.2\/33\/1\/38.2-3301","metadata":false},{"id":81258,"structure_id":13165,"section_number":"38.2-3301.1","catch_line":"Delivery of individual life insurance policies","url":"\/38.2-3301.1\/","token":"38.2\/33\/1\/38.2-3301.1","metadata":false},{"id":54757,"structure_id":13165,"section_number":"38.2-3302","catch_line":"How premiums payable","url":"\/38.2-3302\/","token":"38.2\/33\/1\/38.2-3302","metadata":false},{"id":86620,"structure_id":13165,"section_number":"38.2-3303","catch_line":"Grace period","url":"\/38.2-3303\/","token":"38.2\/33\/1\/38.2-3303","metadata":false},{"id":61710,"structure_id":13165,"section_number":"38.2-3304","catch_line":"Policy constitutes entire contract; statements deemed representations","url":"\/38.2-3304\/","token":"38.2\/33\/1\/38.2-3304","metadata":false},{"id":87271,"structure_id":13165,"section_number":"38.2-3305","catch_line":"Incontestability","url":"\/38.2-3305\/","token":"38.2\/33\/1\/38.2-3305","metadata":false},{"id":84405,"structure_id":13165,"section_number":"38.2-3306","catch_line":"Misstatement of age","url":"\/38.2-3306\/","token":"38.2\/33\/1\/38.2-3306","metadata":false},{"id":80762,"structure_id":13165,"section_number":"38.2-3307","catch_line":"Participation in surplus","url":"\/38.2-3307\/","token":"38.2\/33\/1\/38.2-3307","metadata":false},{"id":59870,"structure_id":13165,"section_number":"38.2-3308","catch_line":"Policy loans","url":"\/38.2-3308\/","token":"38.2\/33\/1\/38.2-3308","metadata":false},{"id":80287,"structure_id":13165,"section_number":"38.2-3309","catch_line":"Nonforfeiture benefits and cash surrender values","url":"\/38.2-3309\/","token":"38.2\/33\/1\/38.2-3309","metadata":false},{"id":54184,"structure_id":13165,"section_number":"38.2-3310","catch_line":"Table of values and options","url":"\/38.2-3310\/","token":"38.2\/33\/1\/38.2-3310","metadata":false},{"id":77049,"structure_id":13165,"section_number":"38.2-3311","catch_line":"Reinstatement","url":"\/38.2-3311\/","token":"38.2\/33\/1\/38.2-3311","metadata":false},{"id":78506,"structure_id":13165,"section_number":"38.2-3312","catch_line":"Settlement","url":"\/38.2-3312\/","token":"38.2\/33\/1\/38.2-3312","metadata":false},{"id":68892,"structure_id":13165,"section_number":"38.2-3313","catch_line":"Table of installments","url":"\/38.2-3313\/","token":"38.2\/33\/1\/38.2-3313","metadata":false},{"id":85372,"structure_id":13165,"section_number":"38.2-3314","catch_line":"Title","url":"\/38.2-3314\/","token":"38.2\/33\/1\/38.2-3314","metadata":false},{"id":59133,"structure_id":13165,"section_number":"38.2-3315","catch_line":"Variations for certain forms of policies; providing more favorable terms","url":"\/38.2-3315\/","token":"38.2\/33\/1\/38.2-3315","metadata":false},{"id":86454,"structure_id":13165,"section_number":"38.2-3316","catch_line":"Provisions prohibited","url":"\/38.2-3316\/","token":"38.2\/33\/1\/38.2-3316","metadata":false},{"id":66309,"structure_id":13165,"section_number":"38.2-3317","catch_line":"Provisions required by other jurisdictions","url":"\/38.2-3317\/","token":"38.2\/33\/1\/38.2-3317","metadata":false}],"previous_section":{"id":59653,"structure_id":13165,"section_number":"38.2-3300","catch_line":"Requirements; exceptions","url":"\/38.2-3300\/","token":"38.2\/33\/1\/38.2-3300","metadata":false},"next_section":{"id":81258,"structure_id":13165,"section_number":"38.2-3301.1","catch_line":"Delivery of individual life insurance policies","url":"\/38.2-3301.1\/","token":"38.2\/33\/1\/38.2-3301.1","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3301\/","history_text":"<p>This law was first created in 1977. The record of its establishment is cataloged in chapter 174 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1977 \u201cActs\u201d aren\u2019t available online. It has been modified 1 time. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. That modification is as follows: in 1986, chapter 562.<\/p>","references":[{"id":59653,"section_number":"38.2-3300","catch_line":"Requirements; exceptions","order_by":null,"url":"\/38.2-3300\/"}],"refers_to":false,"permalink":{"id":214635,"object_type":"law","relational_id":64455,"identifier":"38.2-3301","token":"38.2\/33\/1\/38.2-3301","url":"\/38.2-3301\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3301\/","token":"38.2\/33\/1\/38.2-3301","dublin_core":{"Title":"Ten-day right to examine policy","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3301","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>No individual life <span class=\"dictionary\">insurance<\/span> policy shall be delivered or issued for delivery in this Commonwealth unless it has printed on it a notice stating in substance that if, during a ten-day period from the date the policy is delivered to the policyowner, the policy is surrendered to the <span class=\"dictionary\">insurer<\/span> or its agent with a written request for cancellation, the policy shall be void from the beginning and the <span class=\"dictionary\">insurer<\/span> shall refund any premium paid for the policy. Nothing in this section shall prohibit an <span class=\"dictionary\">insurer<\/span> from extending the right to examine period to more than ten days if the period is specified in the policy.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nTEN-DAY RIGHT TO EXAMINE POLICY (\u00a7 38.2-3301)\n\nNo individual life insurance policy shall be delivered or issued for delivery in\nthis Commonwealth unless it has printed on it a notice stating in substance that\nif, during a ten-day period from the date the policy is delivered to the\npolicyowner, the policy is surrendered to the insurer or its agent with a\nwritten request for cancellation, the policy shall be void from the beginning\nand the insurer shall refund any premium paid for the policy. Nothing in this\nsection shall prohibit an insurer from extending the right to examine period to\nmore than ten days if the period is specified in the policy.\n\nHISTORY: 1977, c. 174, \u00a7 38.1-390.1; 1986, c. 562.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}