State RegulationsNY specificDifficulty 1/5
Under the special war provision permitted by New York law, an insurer may limit coverage for the death of an insured who has served in the military. Within what period after the end of the insured's military service may coverage be limited?
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 B is correct
Under N.Y. Ins. Law §3203(c)(1), an insurer using the special war provision may limit coverage only for a stated period — for example, within six months after military service ends, within six months after the insured returns to the home area, or, for civilians, within two years after issue. Under §3203(c)(5), the war exclusion must terminate six months after the triggering event.
Why the other options are wrong
- A) Two years after issue is the civilian measure under §3203(c)(1); for death after military service the period is six months.
- C) Thirty days is not a period the war provision authorizes; it resembles unrelated grace or notice periods, not a war limit.
- D) Ninety days is an outside cap in group conversion contexts, not a war-exclusion period under §3203(c).
Memory hook
War clause: six months after service ends, then it is gone.