State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under California law (CIC §10350.2), a group life policy generally becomes incontestable after it has been in force for:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under CIC §10350.2, after a policy has been in force for two years, misstatements made in the application generally cannot be used to void the policy or deny a claim, subject to the exceptions stated in the statute. This two-year contestability period gives the insurer time to investigate the application while providing finality to the insured and the group. It parallels the individual life insurance incontestability rule under CIC §10113.5. The two-year benchmark is a foundational timeline in life insurance law and a common examination point.
Why the other options are wrong
- B) Six months is far too short and matches no contestability period in life insurance law. The statutory contestability period for group coverage in California is two years, not six months, so this figure is incorrect.
- C) One year is not the group life contestability period in California, which uses the two-year standard. The one-year figure appears in no relevant statute governing group life coverage and is not the correct choice.
- D) Five years reflects some private company contract language, but the statutory rule is two years. Company contract terms cannot override the statutory contestability framework that California law prescribes for group life coverage.
Memory hook
Two-year countdown: after that, the application's word is final for group coverage.