Free Look — Florida Life & Annuity (F.S. 626.99)

In Florida (F.S. 626.99), an unconditional refund of premiums must be available for at least fourteen (14) days for life insurance. For a fixed annuity, the unconditional refund — including any contract fees or charges — must be available for twenty-one (21) days. For variable annuities, the unconditional refund is also twenty-one (21) days, and equals the cash surrender value provided in the contract plus any fees/charges deducted from premiums or imposed under the contract, or a refund of all premiums paid.

In Florida: life = 14 days to walk away; any annuity, fixed or variable = 21 days.