State RegulationsAZ specificDifficulty 2/5
Which ground lets an Arizona insurer contest or deny a life claim regardless of the two-year incontestable period under A.R.S. 20-1204?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A.R.S. 20-1204 carves out nonpayment of premiums as the sole ground that survives the two-year contestable period. An insurer may still resist a claim where the policy lapsed for unpaid premiums, no matter how long the policy has run.
Why the other options are wrong
- B) Material misrepresentation falls away as a contest ground after the two-year period.
- C) Age misstatement is handled by the equitable adjustment rule of A.R.S. 20-1206, not by contest.
- D) Fraud is not listed as an exception in A.R.S. 20-1204; only nonpayment of premiums survives.
Memory hook
Nonpayment never expires; everything else does.