In California, the "free look" period for a life insurance policy begins when the policy is:

The "free look" period for a life insurance policy in California is specifically designed to give the policyowner an opportunity to review the policy after receiving it. This period begins when the policy is delivered to the policyowner. During this time, which typically lasts for a set number of days, the policyowner can evaluate the policy's terms and coverage and decide whether to keep it or return it for a full refund of premiums paid.

By starting the "free look" period upon delivery, the law ensures that consumers are not rushed into a decision and can make an informed choice regarding their insurance coverage. This contrasts with other stages such as when the policy is applied for, approved, or issued, as those events do not provide the policyowner with the actual policy document needed to fully assess the coverage and its terms.