Under the incontestability provision of 40 P.S. § 510(c), after what period from issue is a Pennsylvania life policy no longer contestable during the insured's lifetime?

Why B is correct

40 P.S. § 510(c) makes a Pennsylvania life policy incontestable after two years from its issue during the insured's lifetime, except for non-payment of premium. After that window closes, the insurer cannot use misstatements in the application to void coverage or deny death claims during the insured's life, subject to the statutory exceptions. The Insurance Company Law also lets the company, at its option, except its disability and accidental death benefit provisions from the two-year bar, which the Pennsylvania Insurance Department's outline flags as the provision's key nuance.

Why the other options are wrong

• A) One year is too short; the statute fixes the incontestable point at two years from issue under 40 P.S. § 510(c).
• C) Three years is Pennsylvania's time limit on certain defenses in accident and health policies under 40 P.S. § 753(A)(2); the life incontestability period is two years.
• D) Six months is the backdating ceiling of 40 P.S. § 511(c), a prohibited-provisions rule, not the contestability window.

Memory hook

Two years and the door closes — except premiums, always premiums.