Direct answer
It depends on whether you provided inaccurate information on your application, such as omitting a pre-existing medical condition, which allows the insurer to contest the death benefit during the contestability period.
State-specific insurance code regulations regarding contestability periods and application accuracy requirements. For additional information about state-specific regulatory standards, see the National Association of Insurance Commissioners‘ state insurance department directory.
What this means for you
It depends on whether you provided inaccurate information on your application, such as omitting a pre-existing medical condition, which allows the insurer to contest the death benefit during the contestability period.
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