2 Year Period of Incontestability–Life and Disability Insurance

Jamie Articles

When you purchase a life or disability insurance policy, your policy will automatically have a clause called the period of incontestability. This clause causes a lot of confusion.  The clause states that if you have a claim in the first two years of the policy, the company has the right to rescind the contract. Does that mean you are not …


Incontestability Clause for Life and Disability Insurance

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When you apply for life and disability insurance, you are required to go through medical underwriting. This typically involves a paramedical exam (blood and urine test) and questions about your medical history. It is up to the applicant to answer the questions to the best of their knowledge and to fully disclose any medical conditions. If a life or disability …