A clause in any policy of life insurance providing that such policy shall be incontestable after a specified period shall preclude only a contest of the validity of the policy, and shall not preclude the assertion at any time of defenses based upon provisions in the policy which exclude or restrict coverage, whether or not such restrictions or exclusions are excepted in such clause.
Structure West Virginia Code
§33-13-2. Standard Provisions Required
§33-13-8a. Maximum Rate of Interest on Policy Loans
§33-13-9. Nonforfeiture Benefits
§33-13-10. Table of Loan Values and Options
§33-13-11. Table of Installments
§33-13-13. Payment of Premiums
§33-13-14a. Payment of Interest on Death Claims
§33-13-16. Excluded or Restricted Coverage
§33-13-17. Annuity Contracts -- Standard Provisions
§33-13-18. Same -- Grace Period
§33-13-19. Same -- Incontestability
§33-13-20. Same -- Entire Contract
§33-13-21. Same -- Misstatement of Age or Sex
§33-13-23. Same -- Reinstatement
§33-13-24. Standard Provisions of Reversionary Annuities
§33-13-25. Limitation of Liability
§33-13-26. Contestability After Reinstatement
§33-13-27. Power of Insurer to Hold Proceeds of Policy Under Agreement
§33-13-28. Indebtedness Deducted From Proceeds
§33-13-29. Dual or Multiple Pay Policies Prohibited
§33-13-30. Standard Nonforfeiture Law for Life Insurance
§33-13-30a. Standard Nonforfeiture Law for Individual Deferred Annuities
§33-13-31. Industrial Life Insurance -- Required Provisions
§33-13-32. Same -- Grace Period
§33-13-33. Same -- Entire Contract; Statements in Application; Deemed Representations
§33-13-34. Same -- Incontestability
§33-13-35. Same -- Misstatement of Age
§33-13-37. Same -- Nonforfeiture Benefits; Cash Surrender Values
§33-13-38. Same -- Reinstatement
§33-13-40. Same -- Beneficiary and Facility of Payment Clause
§33-13-41. Same -- Direct Payment of Premiums
§33-13-42. Same -- Conversion of Weekly Policies
§33-13-43. Same -- Conversion of Monthly Policies
§33-13-44. Same -- Title on Policy
§33-13-45. Same -- Provisions Not Required in Single Premium, Term, etc., Policies