Contestability Period

The first two years of a life policy, when the insurer can investigate and deny claims for misstatements on the application. Be honest on the app!

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.