Contestability Period
Insurance Glossary
The first two years of a life insurance policy in most states, during which the insurer may investigate a claim and void the policy for a material misstatement on the application. If the insured dies during it, the insurer can request medical records and other history before deciding, which lengthens the time a claim takes to pay. Once the period ends the incontestability clause takes over and the insurer can no longer void the policy for an innocent misstatement, and the clock generally restarts if a lapsed policy is reinstated.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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