State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A California group life insurance policy has been in force for more than two years. Under the group incontestability provision (CIC Section 10350.2), the insurer generally:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The incontestability provision in group policies states that after the policy has been in force for two years, misstatements made in the application may not be used to void the policy. The time limit protects the insured group and its members from rescission long after issue. This parallels the individual policy incontestability rule, though the group provision has its own statutory basis in Section 10350.2.
Why the other options are wrong
- B) The incontestability period is two years; contesting without time limit is contrary to the statute.
- C) The two-year incontestability rule does not depend on group size.
- D) Incontestability concerns contesting the validity of the policy, not renewing it at the same premium.
Memory hook
Group incontestability = two years and the application's answers become history. After that, the policy is settled.