What is a contestability period?
A contestability period is a window of time—typically the first two years after your policy starts—when the insurer may review a claim more closely.
What this means for your policy
During the contestability period, the insurer may review the policy and, if applicable, any claim to confirm that the information provided in the application was accurate and complete.
This review is to confirm whether all relevant information was disclosed during the application process.
If a claim is filed during this time
If a claim is filed within the first two years:
The insurer may conduct a more detailed review
This can take additional time before a claim is paid
If there is an active investigation (for example, by a medical examiner or law enforcement), payment cannot be made until the investigation is complete.
After the contestability period
Once the contestability period has passed:
Claims are typically processed more quickly
If all required documentation is provided, payment is often made within a few business days
What to keep in mind
As long as your application information was accurate and complete, your coverage and beneficiaries remain protected.