The incontestability period for life insurance policies typically lasts for how long after the policy's effective date?

• A. One year
• B. Three years
• C. Two years
• D. Indefinite

Answer: (C)

During the incontestability period, the insurer can review the applicant’s statements in the application and any material information that affects risk. After this period, the policy becomes incontestable, meaning the insurer generally cannot contest or void the policy based on those statements, except in cases of fraud. This window is typically two years from when the policy goes into effect, balancing the insurer’s need to verify facts with the insured’s need for stable coverage. The other durations don’t fit standard practice: one year is too short, three years is longer than usual, and an indefinite period would remove the protective effect of the clause.