State RegulationsAZ specificDifficulty 1/5
Once an Arizona life policy is reinstated, for how long may the insurer contest the policy on grounds arising from the reinstatement?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under A.R.S. 20-1227, a reinstated policy may be contested only within the same contestable window the policy provides after issue, which is a fresh two-year period, and only for fraud or material misrepresentation connected with the reinstatement. Reinstatement neither immunizes the policy forever nor leaves it contestable indefinitely.
Why the other options are wrong
- A) the insurer retains a contest window after reinstatement; it is not permanent immunity.
- B) the window mirrors the post-issue two-year period, not one year.
- C) three years is the reinstatement eligibility window under A.R.S. 20-1213, not the post-reinstatement contest period.
Memory hook
Reinstated? A fresh two years to contest.