Incontestability by Insurer

2+ years after the effective date or reinstatement date, the insurer can only void the policy contract for

  • material misrepresentation or
  • fraudulent misrepresentation

(see misrepresentation) (no time limit)


The insurer can contest the following

  • whether the contract was void from the outset (e.g., if no insurable interest)
  • specific terms of the contract (e.g., payment of a benefit because the conditions were not met)

PS Network

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