Annuity Planning · Tool 18 of 12
State Suitability & Replacement
State-specific replacement notice, NAIC #275 best-interest status, premium tax, free-look window, senior-scrutiny age. Outputs the compliance checklist for the contract state.
State compliance profile
Free-look window
30 days
Premium tax
2.35%
$5,875
NAIC #275 best-interest
Not adopted
This is a replacement transaction. Required form: CA DOI Form 8. The contract owner must receive the form before signing the application.
Free-look period: 30 days. During this window the owner can rescind without penalty.
Owner is at or above CA's senior-scrutiny age. Best-interest worksheet must include heightened review fields per state rule.
State-specific notes
- CA Insurance Code §10127.10 applies — 30 days for owners 60+. CA does not require unisex pricing for individual annuities but does for some group/employer products.
- Owner is age 67. CA imposes heightened suitability scrutiny on transactions for owners age 60+.
Generator checklist
- Replacement form: CA DOI Form 8
- NAIC #275 best-interest worksheet (state adoption: no)
- Premium tax disclosure: 2.35% / $5,875
- Free-look reminder: 30 days from contract issue
- Senior suitability addendum (age 67 ≥ CA scrutiny age)
The Case Workspace auto-attaches these documents once compliance generators land (M31).