Within how many days of the notice date from the insurer is an adverse underwriting decision?

• A. 45 days
• B. 60 days
• C. 90 days
• D. 120 days

Answer: (C)

The main idea is the time limit for delivering an adverse underwriting decision. In North Carolina, once underwriting is completed and the insurer issues a notice about an adverse decision, that decision must be communicated within 90 days from the notice date. This 90-day window ensures applicants aren’t left waiting too long and keeps the process timely and predictable. Shorter intervals aren’t required by regulation, and longer periods aren’t permitted. If the insurer needs more information to decide, they may request it, but the overall deadline remains 90 days.