Incontestability Of Life Insurance. Up until a life insurance
policy is in force for two years it may be contested by the life
The incontestability period may vary depending on the life insurance company.
Even though an inspection report is obtained and in some cases a medical examination is done the company depends a great deal on the answers given on the application when deciding whether or not to issue a policy but...
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If an applicant fails to disclose information that would cause a policy not to be issued or to be rated the policy may be withdrawn or a claim may be denied...that is as long as the policy is still within the contestable period.
The policy cannot be contested for a period of 2 years, for example. After two years have passed with the policy in force the
life insurance company
no longer has the right to contest the policy.
The incontestability of the policy therefore gives the policy owner all the rights as stated in the contract itself.
Claims will be paid and the policy can no longer be withdrawn even if a misstatement in the application is discovered.
It is therefore important to answer questions truthfully and accurately when applying for life insurance.
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