State RegulationsTX specificDifficulty 1/5
For how long after issue may a Texas life insurer contest the validity of an individual life insurance policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under TIC 1101.006, a Texas life insurance policy must provide that it is incontestable after 2 years from its date of issue, and that the contest must occur during the insured's lifetime; after that window closes the insurer cannot attack the policy except for nonpayment of premiums and, at the insurer's option, violation of naval or military service conditions in time of war. The practical consequence is that the insurer must complete its application and claim investigation early, because the defense disappears once the period runs.
Why the other options are wrong
- A) The clock starts at the date of issue, not at the date the application was signed — a common misread of the statute.
- B) 1 year is not the incontestability period; TIC 1101.006 sets the period at 2 years from issue.
- D) The policy becomes incontestable after 2 years even while the insured is alive, subject only to the two statutory exceptions.
Memory hook
Two years from issue, and only while the insured is still breathing.