A&H Policy ProvisionsQuestion 27 of 315
Under the Time Limit on Certain Defenses provision, after how many years from issue can the insurer no longer rescind an A&H policy for a non-fraudulent misstatement on the application?
a.3 years
b.1 year
c.2 years
d.5 years
Explanation
The incontestability window for individual A&H policies is two years from the date of issue. After that, only fraudulent misstatements remain contestable; ordinary errors no longer support rescission.
Law Reference: Cal. Ins. Code §10350.2Practice all 315 questions free — no signup required.
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Sen Lin, PrepPass Founder · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)