In California, an insurance agent is required to provide an applicant with a Buyer's Guide and Policy Summary when selling:

In California, the requirement to provide a Buyer's Guide and Policy Summary is applicable to any type of individual life insurance. This regulation is in place to ensure that applicants are equipped with comprehensive information about the insurance products they are considering, allowing them to make informed decisions.

The Buyer's Guide serves as a resource that outlines important features and considerations related to life insurance policies, while the Policy Summary provides specific details about the policy being applied for, such as coverage amounts, costs, and benefits. This practice promotes transparency and helps protect consumers by ensuring they understand what they are purchasing, regardless of the type of individual life insurance they are interested in.

While certain types of insurance may have unique requirements or guidelines, the overarching rule in California mandates that any individual life insurance applicant receives these documents to facilitate informed decision-making.