shopify analytics ecommerce
tracking

Incontestability Of Life Insurance

Incontestability Of Life Insurance. Up until a life insurance policy is in force for two years it may be contested by the life insurance company.

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...


Can you think of anything more important than your Family's Security? What would happen to Your Family if you died? Would they be provided for? Compare Quality Life Insurance Quotes from Quality Carriers and Save. Get A Free Quote


Incontestability Of Life Insurance Within A Specific Period Of Time

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an applicant fails to disclose information that would cause a policy not to be issued or to be rated the policy may be withdrawn or a claim may be denied...that is as long as the policy is still within the contestable period.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Claims will be paid and the policy can no longer be withdrawn even if a misstatement in the application is discovered.

  • Suicide Clause

    If a policy owner dies by suicide within one year of the date of issue of the life insurance policy the claim will be contested and the benefits will be limited to the premiums paid.

    The period may vary from company to company.

    After the year has passed if the owner should die by suicide the claim would be paid as the policy has now left the contestable period as far as suicide is concerned.

It is therefore important to answer questions truthfully and accurately when applying for life insurance.


Shop and compare Insurance Rates from 100's of the Top Carriers. Get the Best Quotes possible. Save up to 70%. Click Here For Free Quotes


Home Life Insurance Policy Cheap Life Insurance Accelerated Death Benefit Burial Insurance Define Term Life Insurance Compare Term Life Insurance Quotes Cheap Life Insurance Long Term Care Insurance Whole Life Insurance Rate Quote Affordable Life Insurance Viatical Settlements Life Insurance Policy Explained Permanent Life Insurance How Much Life Insurance Risk Appraisal Variable Life Insurance Quote Variable Universal Life Insurance Term Life Insurance Policies Life Insurance Policies Graded Premium Life Insurance Single Premium Life Insurance Limited Payment Life Insurance Straight Life Insurance Term Life Insurance At Retirement Beneficiaries Of Unclaimed Life Insurance Cashing A Life Insurance Policy Decreasing Term Life Insurance Quotes Definition Of A Universal Life Policy Individual Disability Insurance Charitable Giving

Tools And Resources

Life Insurance Need Calculator

Recent Articles

  1. Life Insurance - Do You Really Need To Own A Policy?

    Life insurance is one of those taboo subjects for normal, casual, or friendly conversation. Whenever people, however, develop a life threatening illness, have a close encounter with another vehicle on…

    Read More

  2. Instant Term Life Insurance Quotes - Quality Term Insurance

    The availability of instant term life insurance quotes on the Internet makes buying life insurance a "walk in the park". Some companies do take the application online while others send you an agent af…

    Read More

  3. How Does Life Insurance Work - Life Insurance Explained

    How does life insurance work? What is life insurance all about? What can it do for me? Most people ask these questions at some point in their lives. Let us look at the subject and see how these questi…

    Read More

  4. Cheap Term Life Insurance Quotes - Cheap Term Insurance Rates

    How can you get cheap term life insurance quotes? You want to buy some life insurance but you first want to have an idea how much to buy and what will it cost. The life insurance business has come a l…

    Read More

  5. Cheap Life Insurance Quote - Cheap Term Life Insurance

    Want a cheap life insurance quote? If you are in search of cheap life insurance it may be an interesting exercise to look at what is available before you start.

    Read More