Which statement accurately describes the 'time limit on certain defenses' provision?

• A. After a stated period of time, claims cannot be denied due to material misrepresentation on the application
• B. All claims can be disputed after two years
• C. An insured cannot file a lawsuit within 90 days of the claim being filed
• D. The right to return an accident and health policy must be within 10 days of policy delivery

Answer: (D)

Time limit on certain defenses is about the incontestability concept. After a policy has been in force for a set period—typically two years—the insurer generally cannot contest or deny a claim based on misstatements in the application. This protects the insured once the policy has been active and premiums have been paid, making coverage more reliable. There are important exceptions, such as if premiums weren’t paid or if the misstatements involve something that materially affects the risk or the policy terms; those issues can still be used to adjust or deny coverage in some circumstances.

The other described provision refers to the free-look period, which allows the policyholder to return the policy within a short window (often 10 days after delivery) for a full premium refund. That is a separate provision and not about contesting claims based on past misstatements.