Life Insurance Incontestability Clauses

Written by
Abraham Jaros
Updated on Tuesday, Nov 7, 2023

About Incontestability Clauses & Twisting

When an insurance company takes illegal action in regard to an insurance policy, it is often known as bad faith. Common instances of bad faith include policy denials, claim denials, as well as making changes to a policy without consent or in violation of agreements. In life insurance policies, an insurance company may improperly use the incontestability clause to deny a claim. This is known as incontestability clause twisting. At Jaroslawicz & Jaros, we have been representing individuals in insurance denial claims for more than 45 years.

We have been successful in representing individuals and professionals in life insurance denials, disability insurance denials, and more. We are proud to say that we have been involved in cases that have been decided in higher courts, and that our New York City insurance claim attorneys have the necessary experience to handle even the most complicated cases in litigation.

Schedule a free case evaluation with a lawyer at Jaroslawicz & Jaros and explore your options with our dedicated legal team. Call 212.227.2780 today.

Life Insurance Policies May Be Incontestable After 2 Years

Incontestability clauses are sections in a life insurance policy that limit how an insurer may be allowed to contest the validity of a policy. Specifically, it limits the time in which an insurance company may contest or deny a policy claim based on misrepresentation of materials made by the policyholder while they were applying for the policy. Usually, the clause renders policies as incontestable after two years from the date it is issued.

This means that if a life insurance company attempts to contest the validity of a policy based on application misrepresentation more than two years after it was issued, they would be liable for an act of bad faith. If an insurance company has denied your claim or taken illegal action, you may be able to make a claim for their violation of the incontestability clause. Do not let your insurer illegally change or deny your policy.

There are other illegal actions taken by insurance companies such as:

  • Insurance bad faith and fraud
  • Life insurance denial
  • Wrongful cancellation/rescission

Life insurance companies may attempt to sell or replace one policy for another. There are many reasons for this, some of which may not necessarily benefit the policyholder. An insurance company’s best interest is the bottom line, but the policyholder’s best interest is a dependable plan that gives necessary compensation. In looking after their own interests, an insurance company may prevent you from receiving the benefits you need.

Our Firm Will Fight To Protect Your Rights

At Jaroslawicz & Jaros, we represent individuals in New York City who have been victims of insurance fraud and insurance agent twisting. We are highly familiar with the specific aspects of such cases and know the insurance industry. Our firm has recovered more than $2 billion in verdicts and settlements, with hundreds of our clients receiving $1 Million or more in compensation. We have the knowledge and resources necessary to represent your interests in court.

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Get a free consultation. Call us in NYC at 212.227.2780 or complete our online questionnaire. We look forward to hearing from you.

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