State RegulationsAZ specificDifficulty 2/5
Within the contestable window after reinstatement, an Arizona insurer may contest the reinstated policy based on:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A.R.S. 20-1227 confines post-reinstatement contestability to the same window the policy gives after issue and to grounds tied to the reinstatement itself, namely fraud or misrepresentation material to the reinstatement. Trivial inaccuracies and unrelated post-reinstatement events are not contest grounds, and the pre-reinstatement default is cured by the reinstatement transaction.
Why the other options are wrong
- B) immaterial inaccuracies in the original application are not contestable grounds.
- C) pre-reinstatement premium default is cured by the reinstatement itself.
- D) a beneficiary change is a policyowner right, not a contest ground.
Memory hook
Contest the reinstatement only on what misled it.