The two-year period to contest information provided on an accident and health application begins on the date the insurer dates the policy.

• A. on the date that the policy is issued
• B. on the date the application is dated
• C. on the date that the insurer dates the policy
• D. when the claim is filed

Answer: (C)

The contestability period starts when the policy is dated by the insurer—the issue date. This is the moment the contract goes into effect and the insurer’s underwriting risk begins, so misstatements or omissions on the application can be reviewed and contested during the first two years. It does not start from the application date, the policy’s issuance in general, or when a claim is filed. After two years, the policy is typically incontestable (except for fraud or nonpayment, depending on state rules).