Every insurance contract shall provide that the policy shall be incontestable after it has been in force during the lifetime of the insured for a period of 2 years from its date of issue except for nonpayment of premiums and except, at the option of the insurer, as to provisions relative to benefits in event of disability and as to provisions which grant additional insurance specifically against death by accident or accidental means.
Fla. Stat. § 627.455
Incontestability
Known as the Alonzo Mourning Access to Care Act
The act spans §§ 627.011 to 627.9913 (628 sections).
Applied in 5 court decisions — leading case Sun Life Assurance Co. of Can. v. Imperial Premium Fin., LLC (2018)
Most recently applied in Sun Life Assurance Co. of Can. v. Imperial Premium Fin., LLC (September 2018)
History.--s. 482, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 382, 404, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318.
How often courts cite this section
Court decisions citing this, by year. The dip in the last several years is a data-coverage gap, not a real trend — our corpus holds fewer opinions from the most recent years, so recent citations are undercounted.
Official source: Online Sunshine (Florida Legislature). Reproduced from public-domain Florida statutes; confirm against the official source for the current text. Not legal advice.