{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/38.2-3305.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/38.2-3305.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/38.2-3305.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/38.2-3305.html"}],"law_id":362073,"edition_id":2,"section_id":362073,"structure_id":51736,"section_number":"38.2-3305","catch_line":"Incontestability","history":"Code 1950, \u00a7 38-371(3); 1950, p. 179; 1952, c. 317, \u00a7 38.1-394; 1986, c. 562.","full_text":"A\n\nEach individual life insurance policy shall contain a provision that the policy shall be incontestable after it has been in force during the lifetime of the insured for two years from its date of issue except for nonpayment of premiums.\n\nB\n\nProvisions relating to benefits in event of disability, and provisions granting additional insurance specifically against death by accident or accidental means, may be excepted in the incontestability provision.\n\n","order_by":null,"text":{"0":{"id":1348001,"text":"Each individual life insurance policy shall contain a provision that the policy shall be incontestable after it has been in force during the lifetime of the insured for two years from its date of issue except for nonpayment of premiums.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":1348002,"text":"Provisions relating to benefits in event of disability, and provisions granting additional insurance specifically against death by accident or accidental means, may be excepted in the incontestability provision.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A"}},"ancestry":[{"id":51736,"edition_id":2,"name":"Life Insurance Policies; Annuities","identifier":"1","label":"article","depth":3,"order_by":1,"parent_id":51735,"metadata":{"child_laws":19,"child_structures":0},"date_created":"2026-08-02 02:47:35","date_modified":"2026-08-02 12:33:10","permalink":{"id":1441631,"object_type":"structure","relational_id":51736,"identifier":"1","token":"38.2\/33\/1","url":"\/38.2\/33\/1\/","edition_id":2,"permalink":0,"preferred":1}},{"id":51735,"edition_id":2,"name":"Life Insurance Policies","identifier":"33","label":"chapter","depth":2,"order_by":33,"parent_id":51644,"metadata":{"child_laws":63,"child_structures":3},"date_created":"2026-08-02 02:47:35","date_modified":"2026-08-02 12:33:10","permalink":{"id":1441629,"object_type":"structure","relational_id":51735,"identifier":"33","token":"38.2\/33","url":"\/38.2\/33\/","edition_id":2,"permalink":0,"preferred":1}},{"id":51644,"edition_id":2,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":88,"parent_id":null,"metadata":{"child_laws":1890,"child_structures":173},"date_created":"2026-08-02 02:45:30","date_modified":"2026-08-02 12:32:55","permalink":{"id":1437663,"object_type":"structure","relational_id":51644,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":2,"permalink":0,"preferred":1}}],"structure_contents":[{"id":362067,"structure_id":51736,"section_number":"38.2-3300","catch_line":"Requirements; exceptions","url":"\/38.2-3300\/","token":"38.2\/33\/1\/38.2-3300","metadata":false},{"id":362069,"structure_id":51736,"section_number":"38.2-3301","catch_line":"Ten-day right to examine policy","url":"\/38.2-3301\/","token":"38.2\/33\/1\/38.2-3301","metadata":false},{"id":362068,"structure_id":51736,"section_number":"38.2-3301.1","catch_line":"Delivery of individual life insurance policies","url":"\/38.2-3301.1\/","token":"38.2\/33\/1\/38.2-3301.1","metadata":false},{"id":362070,"structure_id":51736,"section_number":"38.2-3302","catch_line":"How premiums payable","url":"\/38.2-3302\/","token":"38.2\/33\/1\/38.2-3302","metadata":false},{"id":362071,"structure_id":51736,"section_number":"38.2-3303","catch_line":"Grace period","url":"\/38.2-3303\/","token":"38.2\/33\/1\/38.2-3303","metadata":false},{"id":362072,"structure_id":51736,"section_number":"38.2-3304","catch_line":"Policy constitutes entire contract; statements deemed representations","url":"\/38.2-3304\/","token":"38.2\/33\/1\/38.2-3304","metadata":false},{"id":362073,"structure_id":51736,"section_number":"38.2-3305","catch_line":"Incontestability","url":"\/38.2-3305\/","token":"38.2\/33\/1\/38.2-3305","metadata":false},{"id":362074,"structure_id":51736,"section_number":"38.2-3306","catch_line":"Misstatement of age","url":"\/38.2-3306\/","token":"38.2\/33\/1\/38.2-3306","metadata":false},{"id":362075,"structure_id":51736,"section_number":"38.2-3307","catch_line":"Participation in surplus","url":"\/38.2-3307\/","token":"38.2\/33\/1\/38.2-3307","metadata":false},{"id":362076,"structure_id":51736,"section_number":"38.2-3308","catch_line":"Policy loans","url":"\/38.2-3308\/","token":"38.2\/33\/1\/38.2-3308","metadata":false},{"id":362077,"structure_id":51736,"section_number":"38.2-3309","catch_line":"Nonforfeiture benefits and cash surrender values","url":"\/38.2-3309\/","token":"38.2\/33\/1\/38.2-3309","metadata":false},{"id":362078,"structure_id":51736,"section_number":"38.2-3310","catch_line":"Table of values and options","url":"\/38.2-3310\/","token":"38.2\/33\/1\/38.2-3310","metadata":false},{"id":362079,"structure_id":51736,"section_number":"38.2-3311","catch_line":"Reinstatement","url":"\/38.2-3311\/","token":"38.2\/33\/1\/38.2-3311","metadata":false},{"id":362080,"structure_id":51736,"section_number":"38.2-3312","catch_line":"Settlement","url":"\/38.2-3312\/","token":"38.2\/33\/1\/38.2-3312","metadata":false},{"id":362081,"structure_id":51736,"section_number":"38.2-3313","catch_line":"Table of installments","url":"\/38.2-3313\/","token":"38.2\/33\/1\/38.2-3313","metadata":false},{"id":362082,"structure_id":51736,"section_number":"38.2-3314","catch_line":"Title","url":"\/38.2-3314\/","token":"38.2\/33\/1\/38.2-3314","metadata":false},{"id":362083,"structure_id":51736,"section_number":"38.2-3315","catch_line":"Variations for certain forms of policies; providing more favorable terms","url":"\/38.2-3315\/","token":"38.2\/33\/1\/38.2-3315","metadata":false},{"id":362084,"structure_id":51736,"section_number":"38.2-3316","catch_line":"Provisions prohibited","url":"\/38.2-3316\/","token":"38.2\/33\/1\/38.2-3316","metadata":{"court_decisions":""}},{"id":362085,"structure_id":51736,"section_number":"38.2-3317","catch_line":"Provisions required by other jurisdictions","url":"\/38.2-3317\/","token":"38.2\/33\/1\/38.2-3317","metadata":false}],"previous_section":{"id":362072,"structure_id":51736,"section_number":"38.2-3304","catch_line":"Policy constitutes entire contract; statements deemed representations","url":"\/38.2-3304\/","token":"38.2\/33\/1\/38.2-3304","metadata":false},"next_section":{"id":362074,"structure_id":51736,"section_number":"38.2-3306","catch_line":"Misstatement of age","url":"\/38.2-3306\/","token":"38.2\/33\/1\/38.2-3306","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3305\/","history_text":"<p>The record of this law\u2019s original creation isn\u2019t available online. It has been modified 2 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1952, chapter 317; in 1986, chapter 562.<\/p>","references":[{"id":362837,"section_number":"38.2-5209","catch_line":"Incontestability","order_by":null,"url":"\/38.2-5209\/"}],"refers_to":false,"permalink":{"id":1441657,"object_type":"law","relational_id":362073,"identifier":"38.2-3305","token":"38.2\/33\/1\/38.2-3305","url":"\/38.2-3305\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/38.2-3305\/","token":"38.2\/33\/1\/38.2-3305","dublin_core":{"Title":"Incontestability","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3305","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section id=\"A\"><p><span class=\"prefix-number\">A.<\/span> Each individual life <span class=\"dictionary\">insurance<\/span> policy shall contain a provision that the policy shall be incontestable after it has been in force during the lifetime of the insured for two years from its date of <span class=\"dictionary\">issue<\/span> except for nonpayment of premiums. <a id=\"paragraph-1348001\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-3305\/#A\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"B\"><p><span class=\"prefix-number\">B.<\/span> Provisions relating to benefits in event of disability, and provisions granting additional <span class=\"dictionary\">insurance<\/span> specifically against death by accident or accidental means, may be excepted in the incontestability provision. <a id=\"paragraph-1348002\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-3305\/#B\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nINCONTESTABILITY (\u00a7 38.2-3305)\n\nA. Each individual life insurance policy shall contain a provision that the\npolicy shall be incontestable after it has been in force during the lifetime of\nthe insured for two years from its date of issue except for nonpayment of\npremiums.\n\nB. Provisions relating to benefits in event of disability, and provisions\ngranting additional insurance specifically against death by accident or\naccidental means, may be excepted in the incontestability provision.\n\nHISTORY: Code 1950, \u00a7 38-371(3); 1950, p. 179; 1952, c. 317, \u00a7 38.1-394; 1986,\nc. 562.","edition":{"id":2,"name":"2026","slug":"2026","date_created":"2026-07-16 18:40:23","date_modified":"2026-08-02 15:14:36","current":1,"order_by":2,"last_import":"2026-08-02 12:37:30"}}