After how many years does a life insurance policy become incontestable?

A life insurance policy becomes incontestable after a period of two years from the date of issuance. This means that within this timeframe, the insurer has the right to contest the validity of the policy based on misrepresentation or fraud in the application. After the two-year mark, the insurer cannot challenge the policy's validity, even if there were inaccuracies in the information provided by the insured. This provision serves to protect policyholders by providing them with peace of mind, knowing that after two years, their beneficiaries will receive the death benefit without facing the risk of denial based on previously contested issues. This two-year period is a standard practice in many states, including Connecticut, ensuring a fair balance between insurers' need to assess risk and the rights of policyholders.