State RegulationsOH specificDifficulty 1/5
Under the Ohio standard provisions, after what period does an individual life policy become incontestable?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
ORC 3915.05(C) provides that the policy is incontestable after it has been in force during the lifetime of the insured for not more than 2 years from its date, subject to limited statutory exceptions such as nonpayment of premiums and war or military-service and aeronautics conditions. The phrase during the lifetime of the insured is part of the rule — the contestability clock is measured over the insured's lifetime from the policy date.
Why the other options are wrong
- A) One year is too short; ORC 3915.05(C) allows the insurer 2 years to contest while the insured is living.
- B) Three years is the reinstatement look-back window under ORC 3915.05(J), not the incontestability period, which is 2 years under ORC 3915.05(C).
- D) Five years has no basis in the incontestability provision; ORC 3915.05(C) fixes the period at 2 years from the policy's date.
Memory hook
Two years alive after issue and the policy is untouchable.