Contestability Period: What Insurers Can Review in the First Two Years
How contestability works, what triggers investigations, and how to reduce claim friction.
How It Works
- Most policies include a two-year contestability window from issue.
- During this period, material misstatements can trigger claim review and potential rescission under applicable law.
- After contestability, fraud can still matter in extreme cases depending on jurisdiction and facts.
Avoiding Problems
- Use complete, accurate application disclosures.
- Keep copies of submitted forms and exam results.
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