Disposiciones de Pólizas de VidaPregunta 535 de 716
A life policy has been in force well beyond its incontestable period. For which reason may the insurer still refuse to pay a death claim?
a.The insured misstated a minor detail about a childhood illness on the original application
b.The premium was never paid, so the coverage had actually lapsed before death
c.The beneficiary designation had been changed more than once over the years
d.The insured took up a dangerous hobby after the policy was issued
Explicación
Incontestability bars the insurer from voiding the policy over application misstatements after the contestable period, but it does not create coverage that never existed; if the policy had lapsed for nonpayment, there is nothing to pay. A post-issue change of hobby or beneficiary does not void a policy, and old application misstatements can no longer be contested.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)