State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under CIC Section 10350.2, the contestable period for a group life insurance policy generally runs for how long after coverage becomes effective?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
CIC Section 10350.2 applies the two-year incontestability rule to group life insurance policies. After the policy has been in force for two years from its effective date, the insurer may not contest it on grounds of misrepresentation, concealment, or fraud, except for nonpayment of premium. The rule protects group members who receive certificates and encourages the insurer to investigate eligibility and health questions promptly at issue. It mirrors the two-year incontestability period for individual policies under CIC Section 10113.5.
Why the other options are wrong
- A) One year is not the California contestable period for group life; the statute requires two years.
- B) Thirty-one days is the group conversion window under Section 10209, not the contestable period.
- D) Sixty days is the life insurance grace period under Section 10113.71, not the contestable period.
Memory hook
Group or individual, the challenge window is two years.