Contestability Period and What It Means for Your Policy
Most life insurance policies include a contestability period, a window of time starting as soon as your policy goes into effect, during which the insurer can review your coverage for any possible misrepresentations made during the application process. For policies offered through Fabric by Gerber Life, this period lasts two years.
If the policyholder passes away within the first two years of coverage, the insurer may conduct a detailed review of the cause of death and verify the accuracy of the information provided in the application. This process ensures the death is covered under the policy terms and confirms that all application details were truthful and complete.
If you provided honest and accurate information during your application, you can be confident that your coverage and beneficiaries are protected during this period.
Claims filed after the contestability period, and that do not require additional investigation, are generally processed within five business days of receiving all necessary documentation.
Please note, claims under active investigation by law enforcement or the medical examiner cannot be paid until those investigations are complete.