Can Life Insurance Policies Be Contested? 
Life insurance has a two year contestable period after which it is extremely difficult for life insurance policies to be contested . Even during the first two years , the insurance company can only deny coverage for material misstatements -LRB- information that was withheld from , or misstated on , the application that is serious enough that it would have caused the policy to be altered or denied -RRB- . Other things that might cause a life insurance policy to be contested are questions as to whether the policy was in force at the time of death , or death as the result of suspicious circumstances -LRB- e.g.suspected suicide in the first two years , or murder of the insured by a beneficiary -RRB- . Most life insurance policies will never be contested because death will occur after the two year period . For those that are contested , very few ever result in the death benefit not being paid . 