{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/38.2-3326.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/38.2-3326.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/38.2-3326.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/38.2-3326.html"}],"law_id":362101,"edition_id":2,"section_id":362101,"structure_id":51737,"section_number":"38.2-3326","catch_line":"Incontestability","history":"Code 1950, \u00a7 38-429(1); 1952, c. 317, \u00a7 38.1-425; 1986, c. 562.","full_text":"A\n\nEach group life insurance policy shall contain a provision 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.\n\nB\n\nThe provision shall also state that no statement made by any person insured under the policy relating to his insurability or the insurability of his insured dependents shall be used in contesting the validity of the insurance with respect to which such statement was made:\n\n1\n\nAfter the insurance has been in force prior to the contest for a period of two years during the lifetime of the person about whom the statement was made; and\n\n2\n\nUnless the statement is contained in a written instrument signed by him.\n\n","order_by":null,"text":{"0":{"id":1348105,"text":"Each group life insurance policy shall contain a provision 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.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":1348106,"text":"The provision shall also state that no statement made by any person insured under the policy relating to his insurability or the insurability of his insured dependents shall be used in contesting the validity of the insurance with respect to which such statement was made:","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A","next_prefix":"B1"},"2":{"id":1348107,"text":"After the insurance has been in force prior to the contest for a period of two years during the lifetime of the person about whom the statement was made; and","type":"section","prefixes":["B","1"],"prefix":"1","entire_prefix":"B1","prefix_anchor":"B1","level":2,"prior_prefix":"B","next_prefix":"B2"},"3":{"id":1348108,"text":"Unless the statement is contained in a written instrument signed by him.","type":"section","prefixes":["B","2"],"prefix":"2","entire_prefix":"B2","prefix_anchor":"B2","level":2,"prior_prefix":"B1"}},"ancestry":[{"id":51737,"edition_id":2,"name":"Group Life Insurance Policies","identifier":"2","label":"article","depth":3,"order_by":2,"parent_id":51735,"metadata":{"child_laws":29,"child_structures":0},"date_created":"2026-08-02 02:47:37","date_modified":"2026-08-02 12:33:10","permalink":{"id":1441709,"object_type":"structure","relational_id":51737,"identifier":"2","token":"38.2\/33\/2","url":"\/38.2\/33\/2\/","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":362087,"structure_id":51737,"section_number":"38.2-3318","catch_line":"Repealed","url":"\/38.2-3318\/","token":"38.2\/33\/2\/38.2-3318","metadata":false},{"id":362086,"structure_id":51737,"section_number":"38.2-3318.1","catch_line":"Group life insurance requirements","url":"\/38.2-3318.1\/","token":"38.2\/33\/2\/38.2-3318.1","metadata":false},{"id":362090,"structure_id":51737,"section_number":"38.2-3319","catch_line":"Repealed","url":"\/38.2-3319\/","token":"38.2\/33\/2\/38.2-3319","metadata":false},{"id":362088,"structure_id":51737,"section_number":"38.2-3319.1","catch_line":"Limits of group life insurance","url":"\/38.2-3319.1\/","token":"38.2\/33\/2\/38.2-3319.1","metadata":false},{"id":362089,"structure_id":51737,"section_number":"38.2-3319.2","catch_line":"Review of records","url":"\/38.2-3319.2\/","token":"38.2\/33\/2\/38.2-3319.2","metadata":false},{"id":362092,"structure_id":51737,"section_number":"38.2-3320","catch_line":"Repealed","url":"\/38.2-3320\/","token":"38.2\/33\/2\/38.2-3320","metadata":false},{"id":362091,"structure_id":51737,"section_number":"38.2-3320.1","catch_line":"Policies issued outside of the Commonwealth of Virginia","url":"\/38.2-3320.1\/","token":"38.2\/33\/2\/38.2-3320.1","metadata":false},{"id":362094,"structure_id":51737,"section_number":"38.2-3321","catch_line":"Repealed","url":"\/38.2-3321\/","token":"38.2\/33\/2\/38.2-3321","metadata":false},{"id":362093,"structure_id":51737,"section_number":"38.2-3321.1","catch_line":"Requirements for those marketing group life insurance","url":"\/38.2-3321.1\/","token":"38.2\/33\/2\/38.2-3321.1","metadata":false},{"id":362097,"structure_id":51737,"section_number":"38.2-3322","catch_line":"Repealed","url":"\/38.2-3322\/","token":"38.2\/33\/2\/38.2-3322","metadata":false},{"id":362095,"structure_id":51737,"section_number":"38.2-3322.1","catch_line":"Regulations","url":"\/38.2-3322.1\/","token":"38.2\/33\/2\/38.2-3322.1","metadata":false},{"id":362096,"structure_id":51737,"section_number":"38.2-3322.2","catch_line":"Lives covered","url":"\/38.2-3322.2\/","token":"38.2\/33\/2\/38.2-3322.2","metadata":false},{"id":362098,"structure_id":51737,"section_number":"38.2-3323","catch_line":"Group life insurance coverages of spouses, dependent children, and other persons","url":"\/38.2-3323\/","token":"38.2\/33\/2\/38.2-3323","metadata":false},{"id":362099,"structure_id":51737,"section_number":"38.2-3324","catch_line":"Standard provisions required; exceptions","url":"\/38.2-3324\/","token":"38.2\/33\/2\/38.2-3324","metadata":false},{"id":362100,"structure_id":51737,"section_number":"38.2-3325","catch_line":"Grace period","url":"\/38.2-3325\/","token":"38.2\/33\/2\/38.2-3325","metadata":false},{"id":362101,"structure_id":51737,"section_number":"38.2-3326","catch_line":"Incontestability","url":"\/38.2-3326\/","token":"38.2\/33\/2\/38.2-3326","metadata":false},{"id":362102,"structure_id":51737,"section_number":"38.2-3327","catch_line":"Entire contract; statements deemed representations","url":"\/38.2-3327\/","token":"38.2\/33\/2\/38.2-3327","metadata":false},{"id":362103,"structure_id":51737,"section_number":"38.2-3328","catch_line":"Evidence of individual insurability","url":"\/38.2-3328\/","token":"38.2\/33\/2\/38.2-3328","metadata":false},{"id":362104,"structure_id":51737,"section_number":"38.2-3329","catch_line":"Misstatement of age","url":"\/38.2-3329\/","token":"38.2\/33\/2\/38.2-3329","metadata":false},{"id":362105,"structure_id":51737,"section_number":"38.2-3330","catch_line":"Payment of benefits","url":"\/38.2-3330\/","token":"38.2\/33\/2\/38.2-3330","metadata":false},{"id":362106,"structure_id":51737,"section_number":"38.2-3331","catch_line":"Individual certificates","url":"\/38.2-3331\/","token":"38.2\/33\/2\/38.2-3331","metadata":false},{"id":362107,"structure_id":51737,"section_number":"38.2-3332","catch_line":"Right to individual policy upon termination of employment or membership","url":"\/38.2-3332\/","token":"38.2\/33\/2\/38.2-3332","metadata":false},{"id":362108,"structure_id":51737,"section_number":"38.2-3333","catch_line":"Right to individual policy upon termination of group policy or elimination of class of insured persons","url":"\/38.2-3333\/","token":"38.2\/33\/2\/38.2-3333","metadata":false},{"id":362109,"structure_id":51737,"section_number":"38.2-3334","catch_line":"Death after termination of group insurance and before issuance of individual policy","url":"\/38.2-3334\/","token":"38.2\/33\/2\/38.2-3334","metadata":false},{"id":362110,"structure_id":51737,"section_number":"38.2-3335","catch_line":"Additional persons becoming eligible","url":"\/38.2-3335\/","token":"38.2\/33\/2\/38.2-3335","metadata":false},{"id":362111,"structure_id":51737,"section_number":"38.2-3336","catch_line":"Provisions required by other jurisdictions","url":"\/38.2-3336\/","token":"38.2\/33\/2\/38.2-3336","metadata":false},{"id":362112,"structure_id":51737,"section_number":"38.2-3337","catch_line":"Assignment","url":"\/38.2-3337\/","token":"38.2\/33\/2\/38.2-3337","metadata":false},{"id":362113,"structure_id":51737,"section_number":"38.2-3338","catch_line":"Provisions prohibited","url":"\/38.2-3338\/","token":"38.2\/33\/2\/38.2-3338","metadata":false},{"id":362114,"structure_id":51737,"section_number":"38.2-3339","catch_line":"Exemption of group life insurance policies from legal process","url":"\/38.2-3339\/","token":"38.2\/33\/2\/38.2-3339","metadata":false}],"previous_section":{"id":362100,"structure_id":51737,"section_number":"38.2-3325","catch_line":"Grace period","url":"\/38.2-3325\/","token":"38.2\/33\/2\/38.2-3325","metadata":false},"next_section":{"id":362102,"structure_id":51737,"section_number":"38.2-3327","catch_line":"Entire contract; statements deemed representations","url":"\/38.2-3327\/","token":"38.2\/33\/2\/38.2-3327","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3326\/","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":1441771,"object_type":"law","relational_id":362101,"identifier":"38.2-3326","token":"38.2\/33\/2\/38.2-3326","url":"\/38.2-3326\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/38.2-3326\/","token":"38.2\/33\/2\/38.2-3326","dublin_core":{"Title":"Incontestability","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3326","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section id=\"A\"><p><span class=\"prefix-number\">A.<\/span> Each group life <span class=\"dictionary\">insurance<\/span> policy shall contain a provision 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 <span class=\"dictionary\">issue<\/span>. <a id=\"paragraph-1348105\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-3326\/#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> The provision shall also <span class=\"dictionary\">state<\/span> that no statement made by any <span class=\"dictionary\">person<\/span> insured under the policy relating to his insurability or the insurability of his insured dependents shall be used in contesting the validity of the <span class=\"dictionary\">insurance<\/span> with respect to which such statement was made: <a id=\"paragraph-1348106\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-3326\/#B\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"B1\" class=\"indent-1\"><p><span class=\"prefix-number\">1.<\/span> After the <span class=\"dictionary\">insurance<\/span> has been in force prior to the contest for a period of two years during the lifetime of the <span class=\"dictionary\">person<\/span> about whom the statement was made; and <a id=\"paragraph-1348107\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-3326\/#B1\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"B2\" class=\"indent-1\"><p><span class=\"prefix-number\">2.<\/span> Unless the statement is contained in a written instrument signed by him. <a id=\"paragraph-1348108\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-3326\/#B2\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nINCONTESTABILITY (\u00a7 38.2-3326)\n\nA. Each group life insurance policy shall contain a provision that the validity\nof the policy shall not be contested, except for nonpayment of premiums, after\nit has been in force for two years from its date of issue.\n\nB. The provision shall also state that no statement made by any person insured\nunder the policy relating to his insurability or the insurability of his insured\ndependents shall be used in contesting the validity of the insurance with\nrespect to which such statement was made:\n\n   1. After the insurance has been in force prior to the contest for a period of\n   two years during the lifetime of the person about whom the statement was made;\n   and\n\n   2. Unless the statement is contained in a written instrument signed by him.\n\nHISTORY: Code 1950, \u00a7 38-429(1); 1952, c. 317, \u00a7 38.1-425; 1986, c. 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"}}