{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3345.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3345.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3345.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3345.html"}],"law_id":71274,"edition_id":1,"section_id":71274,"structure_id":15143,"section_number":"38.2-3345","catch_line":"Incontestability","history":"Code 1950, \u00a7 38-434(3); 1952, c. 317, \u00a7 38.1-413; 1986, c. 562.","full_text":"Each industrial life insurance policy shall contain a provision that the policy shall be incontestable after it has been in force for two years from the date of issue during the lifetime of the insured, except for nonpayment of premiums, and except as to provisions and conditions (i) relating to benefits in the event of certain specific types of disability and (ii) granting additional insurance specifically against death by accident or accidental means.","order_by":null,"text":{"0":{"id":256883,"text":"Each industrial life insurance policy shall contain a provision that the policy shall be incontestable after it has been in force for two years from the date of issue during the lifetime of the insured, except for nonpayment of premiums, and except as to provisions and conditions (i) relating to benefits in the event of certain specific types of disability and (ii) granting additional insurance specifically against death by accident or accidental means.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":15143,"edition_id":1,"name":"Industrial Life Insurance Policies","identifier":"3","label":"article","depth":3,"order_by":1,"parent_id":13164,"metadata":{},"date_created":"2026-06-26 03:52:30","date_modified":"2026-06-26 03:52:30","permalink":{"id":214825,"object_type":"structure","relational_id":15143,"identifier":"3","token":"38.2\/33\/3","url":"\/38.2\/33\/3\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13164,"edition_id":1,"name":"Life Insurance Policies","identifier":"33","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:22","date_modified":"2026-06-26 03:44:22","permalink":{"id":214627,"object_type":"structure","relational_id":13164,"identifier":"33","token":"38.2\/33","url":"\/38.2\/33\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":81893,"structure_id":15143,"section_number":"38.2-3340","catch_line":"Definition of industrial life insurance","url":"\/38.2-3340\/","token":"38.2\/33\/3\/38.2-3340","metadata":false},{"id":77512,"structure_id":15143,"section_number":"38.2-3341","catch_line":"Standard provisions required","url":"\/38.2-3341\/","token":"38.2\/33\/3\/38.2-3341","metadata":false},{"id":65601,"structure_id":15143,"section_number":"38.2-3342","catch_line":"Ten-day right to examine policy","url":"\/38.2-3342\/","token":"38.2\/33\/3\/38.2-3342","metadata":false},{"id":81386,"structure_id":15143,"section_number":"38.2-3343","catch_line":"Grace period","url":"\/38.2-3343\/","token":"38.2\/33\/3\/38.2-3343","metadata":false},{"id":78410,"structure_id":15143,"section_number":"38.2-3344","catch_line":"Policy and application to constitute entire contract; statements deemed representations","url":"\/38.2-3344\/","token":"38.2\/33\/3\/38.2-3344","metadata":false},{"id":71274,"structure_id":15143,"section_number":"38.2-3345","catch_line":"Incontestability","url":"\/38.2-3345\/","token":"38.2\/33\/3\/38.2-3345","metadata":false},{"id":85567,"structure_id":15143,"section_number":"38.2-3346","catch_line":"Misstatement of age","url":"\/38.2-3346\/","token":"38.2\/33\/3\/38.2-3346","metadata":false},{"id":71365,"structure_id":15143,"section_number":"38.2-3347","catch_line":"Nonforfeiture benefits and cash surrender values","url":"\/38.2-3347\/","token":"38.2\/33\/3\/38.2-3347","metadata":false},{"id":71652,"structure_id":15143,"section_number":"38.2-3348","catch_line":"Reinstatement","url":"\/38.2-3348\/","token":"38.2\/33\/3\/38.2-3348","metadata":false},{"id":86616,"structure_id":15143,"section_number":"38.2-3349","catch_line":"Table of nonforfeiture options","url":"\/38.2-3349\/","token":"38.2\/33\/3\/38.2-3349","metadata":false},{"id":71343,"structure_id":15143,"section_number":"38.2-3350","catch_line":"Settlement","url":"\/38.2-3350\/","token":"38.2\/33\/3\/38.2-3350","metadata":false},{"id":79343,"structure_id":15143,"section_number":"38.2-3351","catch_line":"Title","url":"\/38.2-3351\/","token":"38.2\/33\/3\/38.2-3351","metadata":false},{"id":64143,"structure_id":15143,"section_number":"38.2-3352","catch_line":"Provisions not required in certain policies","url":"\/38.2-3352\/","token":"38.2\/33\/3\/38.2-3352","metadata":false},{"id":57691,"structure_id":15143,"section_number":"38.2-3353","catch_line":"Provisions required by other jurisdictions","url":"\/38.2-3353\/","token":"38.2\/33\/3\/38.2-3353","metadata":false},{"id":66416,"structure_id":15143,"section_number":"38.2-3354","catch_line":"Prohibited provisions","url":"\/38.2-3354\/","token":"38.2\/33\/3\/38.2-3354","metadata":false}],"previous_section":{"id":78410,"structure_id":15143,"section_number":"38.2-3344","catch_line":"Policy and application to constitute entire contract; statements deemed representations","url":"\/38.2-3344\/","token":"38.2\/33\/3\/38.2-3344","metadata":false},"next_section":{"id":85567,"structure_id":15143,"section_number":"38.2-3346","catch_line":"Misstatement of age","url":"\/38.2-3346\/","token":"38.2\/33\/3\/38.2-3346","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3345\/","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":false,"refers_to":false,"permalink":{"id":214847,"object_type":"law","relational_id":71274,"identifier":"38.2-3345","token":"38.2\/33\/3\/38.2-3345","url":"\/38.2-3345\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3345\/","token":"38.2\/33\/3\/38.2-3345","dublin_core":{"Title":"Incontestability","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3345","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>Each industrial life <span class=\"dictionary\">insurance<\/span> policy shall contain a provision that the policy shall be incontestable after it has been in force for two years from the date of <span class=\"dictionary\">issue<\/span> during the lifetime of the insured, except for nonpayment of premiums, and except as to provisions and conditions (i) relating to benefits in the event of certain specific types of disability and (ii) granting additional <span class=\"dictionary\">insurance<\/span> specifically against death by accident or accidental means.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nINCONTESTABILITY (\u00a7 38.2-3345)\n\nEach industrial life insurance policy shall contain a provision that the policy\nshall be incontestable after it has been in force for two years from the date of\nissue during the lifetime of the insured, except for nonpayment of premiums, and\nexcept as to provisions and conditions (i) relating to benefits in the event of\ncertain specific types of disability and (ii) granting additional insurance\nspecifically against death by accident or accidental means.\n\nHISTORY: Code 1950, \u00a7 38-434(3); 1952, c. 317, \u00a7 38.1-413; 1986, c. 562.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}