For how long can an insurance company contest information in an accident and health application?

Insurance companies are typically allowed to contest information provided in an accident and health application for a specific period after the policy is issued. In Kansas, as well as many other jurisdictions, this period is generally two years from the policy date. This timeframe is known as the contestability period, during which the insurer can investigate and challenge any misrepresentations or omissions in the application that may impact their underwriting decision.

Once this two-year period has elapsed, the insurance company cannot contest claims based on the application information, provided there has been no fraud. This rule helps protect policyholders, ensuring they have some level of security regarding the validity of their coverage after this duration. After two years, even if claims arise from issues described in the policy application, the insurer is limited in their ability to deny those claims based on prior misrepresentations.

In contrast, the other choices suggest longer contestability periods or conditions that are not consistent with standard practices in the industry, such as contesting claims only until a policyholder makes a claim. In reality, while an insurer can investigate claims, they cannot contest the application details indefinitely or based solely on the occurrence of an accident.