State RegulationsAZ specificDifficulty 1/5
After what period from issue may an Arizona individual life policy no longer be contested, except for nonpayment of premiums?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under A.R.S. 20-1204, a life policy is incontestable after it has been in force during the lifetime of the insured for 2 years from its issue, except for nonpayment of premiums. After that window closes, the insurer cannot void the policy for misstatements in the application, no matter how material they later prove to be.
Why the other options are wrong
- A) 1 year is not the life contestable period; it appears in other rules such as late license renewal.
- B) 3 years is the life reinstatement window under A.R.S. 20-1213, not the contestable period.
- D) 4 years is the producer license term length, unrelated to contestability.
Memory hook
Two years and the file closes.