California Insurance Code

§ 10206

INS § 10206 Effective Jan 1, 1999Div. 2 · Part 2 · Ch. 2

Statute text

(a)The policy shall provide that the validity of the policy shall not be contested, except for nonpayment of premiums, after it has been in force for two years from its date of issue; and that no statement made by any employee insured under the policy relating to his or her insurability shall be used in contesting the validity of the insurance with respect to which the statement was made after the insurance has been in force prior to the contest for a period of two years during the employee’s lifetime nor unless it is contained in a written application signed by the employee.

(b)(1) Notwithstanding subdivision (a), if photographic identification is presented during the application or enrollment process, and if an impostor is substituted for a named insured in any part of the application or enrollment process, with or without the knowledge of the named insured, then no contract between the insurer and the named insured is formed, and any purported insurance contract is void from its inception.

(2)As used in this subdivision:

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Legislative history

Amended by Stats. 1998, Ch. 184, Sec. 2. Effective January 1, 1999.