Disability insurance becomes incontestable after how many years in force?

• A. 1 year
• B. 2 years
• C. 3 years
• D. 4 years

Answer: (C)

Disability insurance has an incontestability provision, which means once the policy has been in force for a certain period, the insurer generally cannot challenge the policy or deny a claim based on misstatements in the application. For disability insurance, that period is three years. After three years, misstatements aren’t typically grounds to void coverage or deny a claim, though fraud remains an exception and can still allow contesting the contract. This gives policyholders greater assurance that coverage won’t be pulled out from under them due to early paperwork mistakes.

The other time frames don’t apply here because, in this material, disability insurance is described as becoming incontestable after three years, whereas shorter periods are more commonly associated with other types of life or health policies.