What Is The Contestability Period For Life Insurance?

In New York State the Contestability Period is two years. The Contestability Clause is a Life Insurance policy provision. It allows the Insurer to void or contest the policy if any misrepresentation is discovered before the two year period expires. After two years have passed the Insurer cannot contest the policy for any reason other than non-payment. To ensure a policy stays in force and is not contested it is wise to always answer honestly and completely any questions on a life insurance application.

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