In Louisiana, for how many years can an insurer contest a life insurance policy after issue?

• A. Two
• B. Three
• C. Five
• D. Seven

Answer: (A)

In Louisiana, life insurance contracts include an incontestability provision: after the policy has been in force for a certain period, the insurer can no longer challenge its validity based on the applicant’s statements. That period is two years. During the first two years, the insurer can contest the policy for misstatements or concealment in the application. After two years, the policy is generally incontestable, meaning misstatements discovered after that period cannot be used to void the policy or deny a claim, with important exceptions like fraud (and related issues such as nonpayment that can still affect coverage). So, two years is the window in which contestability applies.