1. The standard free-look period required on an individual New York life policy is at least:

10 days

New York requires that an individual life policy be returnable for a refund during a free-look period of at least 10 days.

2. A New York individual life policy must provide a premium grace period of at least:

31 days

New York requires a grace period of at least 31 days during which coverage continues if the overdue premium is paid.

3. A New York life policy becomes incontestable after it has been in force during the insured's lifetime for:

2 years

After 2 years a New York life policy is incontestable except for nonpayment of premium and certain stated exceptions.

4. The New York entire-contract provision means the policy and any attached:

Application together constitute the whole agreement

The entire-contract provision makes the policy and the attached application the complete agreement between the parties.