The Incontestability Cliff

Within 2 years of issue: insurer can void for material misrepresentation.
After 2 years: insurer can only void for fraudulent misrepresentation.
Always disclosed: applicants must disclose all material health and occupational facts, even if not explicitly asked on the form.

Not affiliated with CISRO, the AMF, FSRA, or any provincial or territorial insurance regulator. "LLQP" and "PQAP" are used for identification only.