40. Rafee applied for long-term care insurance on December 3, 2018. Following the underwriting process, the policy was issued on December 17. The insurer couriered the policy to Rafee's agent, who received it on December 28. The insurance agent was able to deliver the policy in person to Rafee on January 14, 2019, and they reviewed the policy details together. What is the latest date that Rafee can cancel the policy and receive a reimbursement of the premiums he paid?

a. January 24, 2019

b. January 18, 2019

c. January 19, 2019

d. January 11, 2019