State RegulationsAZ specificDifficulty 1/5
Under A.R.S. 20-1346, after what period from policy issue may an insurer no longer contest an Arizona accident and health claim on the ground of a misstatement in the application?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A.R.S. 20-1346 provides that after 2 years from the date of issue, no misstatement made in the application — except a fraudulent misstatement — shall void the policy or be used as a ground to deny a claim. Arizona's 2-year limit is the health-side analogue of the life incontestability rule and is a standard recall point for the Arizona examination.
Why the other options are wrong
- B) Three years is the life-policy reinstatement window under A.R.S. 20-1213; A.R.S. 20-1346 sets the health misstatement limit at 2 years from issue.
- C) One year is shorter than the statutory period; the misstatement defense survives for 2 years from issue under A.R.S. 20-1346.
- D) The clock runs from the date of issue, not the first premium payment, and the limit is 2 years under A.R.S. 20-1346.
Memory hook
Two years and the misstatement door closes — fraud stays open.