Direct answer
It depends on whether you provided accurate health information during the initial application, as insurers can deny claims if they discover a material misrepresentation made within the first two years of the policy.
State-specific insurance code statutes regarding incontestability clauses. For additional information about state insurance regulations, see the National Association of Insurance Commissioners‘ state insurance department directory.
What this means for you
It depends on whether you provided accurate health information during the initial application, as insurers can deny claims if they discover a material misrepresentation made within the first two years of the policy.
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