Common use of Incontestability Clause in Contracts

Incontestability. Claims will not be rejected and this policy will not be voided or have its terms revised after this policy has been in-force for two (2) years from the Policy commencement date or the latest Reinstatement date, whichever is later, except for: a) fraud; b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; c) non-payment of Premium; or d) policy exclusions. However, if the above mentioned event occurs, We reserve the rights to void the policy, revise the terms of the policy or reject any claims even after two (2) years have passed. We will refund all Premiums paid (less any amounts previously paid to You under this policy) without interest and less any amounts owing to Us as well as any expenses incurred by Us in providing You the policy.

Incontestability. Claims will not be rejected and this policy will not be voided or have its terms revised after this policy has been in-force for two (2) years from the Policy commencement date or the latest Reinstatement reinstatement date, whichever is later, except for: a) fraud; b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; c) non-payment of Premium; or d) policy exclusions. exclusions However, if the above mentioned event occurs, We reserve the rights to void the policy, revise the terms of the policy or reject any claims even after two (2) years have passedpassed from the Policy commencement date or the latest reinstatement date. We will refund all Premiums paid (less any amounts previously paid to You under this policy) without interest and less any amounts owing to Us as well as any expenses incurred by Us in providing You the policy.

Incontestability. Claims will not be rejected and this policy will not be voided or have its terms revised after this policy has been in-in- force for two (2) years from the Policy commencement date or the latest Reinstatement date, whichever is later, except for: a) fraud; b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; c) non-payment of Premium; or d) policy exclusions. However, if the above mentioned event occurs, We reserve the rights to void the policy, revise the terms of the policy or reject any claims even after two (2) years have passed. We will refund all Premiums paid (less any amounts previously paid to You under this policy) without interest and less any amounts owing to Us as well as any expenses incurred by Us in providing You the policy.

Incontestability. Claims will not be rejected and this policy will not be voided or have its terms revised after this policy has been in-force for two (2) years from the Policy policy commencement date or the latest Reinstatement date, whichever is later, except for: a) fraud; b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; c) non-payment of Premium; or d) policy exclusions. exclusions However, if the above mentioned event occurs, We reserve the rights to void the policy, revise the terms of the policy or reject any claims even after two (2) years have passed. We will refund all Premiums paid (less any amounts previously paid to You under this policy) without interest and less any amounts owing to Us as well as any expenses incurred by Us in providing You the policy.

Incontestability. Claims will not be rejected and this policy will not be voided or have its terms revised after this policy has been in-in force for two (2) years from the Policy commencement date or the latest Reinstatement date, whichever is later, except for: a) fraud; b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; c) non-payment of Premium; or d) policy exclusions. However, if the above mentioned event occurs, We reserve the rights to void the policy, revise the terms of the policy or reject any claims even after two (2) years have passedpassed from the Policy commencement date or the latest Reinstatement date, whichever is later. We will refund all Premiums paid (less any amounts previously paid to You under this policy) without interest and less any amounts owing to Us as well as any expenses incurred by Us in providing You the policy.

Incontestability. Claims will not be rejected and this policy will not be voided or have its terms revised after this policy has been in-force for two (2) years from the Policy commencement date or the latest Reinstatement date, whichever is later, except for: a) fraud; b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; c) non-payment of Premium; or d) policy exclusions. exclusions However, if the above mentioned event occurs, We reserve the rights to void the policy, revise the terms of the policy or reject any claims even after two (2) years have passedpassed from the Policy commencement date or the latest Reinstatement date, whichever is later. We will refund all Premiums paid (less any amounts previously paid to You under this policy) without interest and less any amounts owing to Us as well as any expenses incurred by Us in providing You the policy.

Incontestability. Claims will not be rejected and this policy will not be voided or have its terms revised after this policy has been in-force for two (2) 2 years from the Policy commencement date or the latest Reinstatement date, whichever is later, except for: a) fraud; b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; c) non-payment of Premium; or d) policy exclusions. However, if the above mentioned event occurs, We reserve the rights to void the policy, revise the terms of the policy or reject any claims even after two (2) 2 years have passed. We will refund all Premiums paid (less any amounts previously paid to You under this policy) without interest and less any amounts owing to Us as well as any expenses incurred by Us in providing You the policy.

Incontestability. Claims will not be rejected and this policy will not be voided or have its terms revised after this policy has been in-force for two (2) years from the Policy commencement date or the latest Reinstatement date, whichever is later, except for: a) fraud; b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; c) non-payment of Premium; or d) policy exclusions. exclusions However, if the above mentioned event occurs, We reserve the rights to void the policy, revise the terms of the policy or reject any claims even after two (2) years have passedpassed from the Policy commencement date or the latest Reinstatement date, whichever is later. We will refund all Premiums paid (less any amounts previously paid to You under this policy) without interest and less any amounts owing to Us as well as any expenses incurred by Us in providing You the policy.

Incontestability. Claims will not be rejected and this policy will not be voided or have its terms revised after this policy has been in-force for two (2) 2 years from the Policy commencement date or the latest Reinstatement date, whichever is later, except for: (a) fraud; (b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; (c) non-payment of Premium; or (d) policy exclusions. However, if the above mentioned abovementioned event occurs, We reserve the rights to void the policy, revise the terms of the policy or reject any claims even after two (2) 2 years have passedpassed from the Policy commencement date or the latest Reinstatement date, whichever is later. We will refund all Premiums paid (less any amounts previously paid to You under this policy) without interest and less any amounts owing to Us as well as any expenses incurred by Us in providing You the policy.

Incontestability. Claims will not be rejected and this policy will not be voided or have its terms revised after this policy has been in-in- force for two (2) years from the Policy commencement date or the latest Reinstatement date, whichever is later, except for: a) fraud; b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; c) non-payment of Premium; or d) policy exclusions. However, if the above mentioned event occurs, We reserve the rights to void the policy, revise the terms of the policy or reject any claims even after two (2) years have passed. We will refund all Premiums paid (less any amounts previously paid to You under this policy) without interest and less any amounts owing to Us as well as any expenses incurred by Us in providing You the policy.

Incontestability. Claims will not be rejected and this policy will not be voided or have its terms revised after this policy has been in-force for two (2) years from the Policy commencement date or the latest Reinstatement date, whichever is later, except for: a) fraud; b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; c) non-payment of Premium; or d) policy exclusions. exclusions However, if the above mentioned event occurs, We reserve the rights to void the policy, revise the terms of the policy or reject any claims even after two (2) years have passed. We will refund all Premiums paid (less any amounts previously paid to You under this policy) without interest and less any amounts owing to Us as well as any expenses incurred by Us in providing You the policy.

Incontestability. Claims will not be rejected and this policy will not be voided or have its terms revised after this policy has been in-force for two (2) years from the Policy commencement date or the latest Reinstatement date, whichever is later, except for: a) fraud; b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; c) non-payment of Premium; or d) policy exclusions. However, if the above mentioned event occurs, We reserve the rights to void the policy, revise the terms of the policy or reject any claims even after two (2) years have passedpassed from the Policy commencement date or the latest Reinstatement date, whichever is later. We will refund all Premiums paid (less any amounts previously paid to You under this policy) without interest and less any amounts owing to Us as well as any expenses incurred by Us in providing You the policy.