Question

The Time Limit on Certain Defenses (Incontestable) period is _____ years under individual health and disability contracts.

a) 1 b) 2 c) 3 d) 4

Answer 1

Answer: b) 2 years.

Step-by-step explanation:

The original incontestability clause in life insurance stated that the policy should by incontestable after two years from the date of issue.

In interpreting this clause the majority court opinion in some early cases held that if the insured should die during the contestable period, the incontestable period continues for two years.