Which of these do NOT constitute policy delivery?

The choice stating that a policy issued with a rating does not constitute policy delivery is correct because policy delivery typically refers to the transfer of the actual policy document to the policyholder or the intended beneficiary. The issuance of a policy with specific ratings does not involve the delivery of the policy itself; rather, it pertains to the terms and conditions under which the policy was issued.

Handover of the physical policy document, delivery through electronic means, and policies issued to a third party all reflect valid methods of delivering a policy, as they involve the physical or electronic transfer of the policy to the policyholder or an authorized entity. Thus, when assessing what constitutes policy delivery, the primary focus is on the transfer of the actual policy or its authorized representation, rather than the specifics of its rating process.