State RegulationsAZ specificDifficulty 1/5
In Arizona, after what period from issue may an insurer no longer contest an individual life policy on grounds of misrepresentation, except for nonpayment of premiums?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
A.R.S. 20-1204 provides that a life policy is incontestable after it has been in force during the lifetime of the insured for 2 years from its date of issue, except for nonpayment of premiums. After that window, application misstatements can no longer be used to avoid the policy.
Why the other options are wrong
- A) 30 days is the Arizona life grace period figure under A.R.S. 20-1203, not the contestability limit.
- B) 6 months is the maximum period for deferring a policy loan, not the incontestability period.
- C) 3 years is the window for applying to reinstate a lapsed life policy under A.R.S. 20-1213, not the contestability period.
Memory hook
Two years and the misstatements stay buried - only nonpayment survives.