Life Insurance Contestability Period: What You Need to Know
April 7, 2026 by Kimberly Lankford
When you fill out a life insurance application, the insurer expects you to do so in good faith, answering questions honestly. But what happens if you lie, misrepresent yourself or intentionally omit important information? The insurer has two years after you buy the policy to scrutinize your application, known as the contestability period. If you die within those two years and the insurer finds that you made a material error or committed fraud, it can deny your beneficiaries’ claim.
Originally Posted at The Wall Street Journal on Apr 6, 2026 by Kimberly Lankford.
Categories: Industry Articles
