Within how many days after the insurer’s notice date must an adverse underwriting decision be communicated?

• A. 30 days
• B. 60 days
• C. 90 days
• D. 120 days

Answer: (C)

The concept here is the time limit for telling a consumer about an adverse underwriting decision. In North Carolina, once the insurer issues its underwriting decision and sends the notice, the applicant must be informed of the adverse decision within ninety days from that notice date. This creates a clear, reasonable window that allows the insurer to complete any necessary review while ensuring the applicant isn’t left waiting indefinitely for a decision about coverage. Ninety days is the standard period used in this context, making it the correct choice for how quickly the decision must be communicated.