Ariz. Rev. Stat. » Title 20
Arizona Revised Statutes

Ariz. Rev. Stat. § 20-1204 (2026)

Incontestability

✓ current as of May 2026
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There shall be a provision that the policy, exclusive of provisions relating to disability benefits or to additional benefits in the event of death by accident or accidental means, shall be incontestable, except for nonpayment of premiums, after it has been in force during the lifetime of the insured for a period of two years from its date of issue.

Notes of Decisions
Cited in 7 cases (5 in the last 5 years), 1991–2025 · leading case: Greves v. Ohio State Life Ins., 821 P.2d 757 (Ariz. Ct. App. 1991).
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Greves v. Ohio State Life Ins., 821 P.2d 757 (Ariz. Ct. App. 1991). · cites it 8× “A.R.S. § 20-1204. 2 This provision in Dr.”
First Penn-Pac. Life Ins. v. Evans, 313 F. App'x 633 (4th Cir. 2009). “See Ariz.Rev.Stat. Ann. § 20-1204 (2002). Because we conclude that the insurable interest claim lacks merit, we need not reach this issue.”
Columbus Life Ins. v. Wilmington Trust Na (Ariz. 2023). · cites it 7× “____________________ JUSTICE BOLICK, Opinion of the Court: ¶1 Before us is the following certified question: “Does Arizona law permit an insurer to challenge the validity of a life insurance policy based on a lack of insurable interest after the expiration of the two-year…”
Columbus Life Ins. Co. v. Wilmington Trust NA (D. Ariz. 2022). · cites it 6× “” A.R.S. § 20-1204. In accordance with this statute, the Policy 10 contains a provision stating that Columbus “will not contest this policy to the extent of the 11 Specified Amount after it has been in effect during both Insureds’ lifetimes for two years 12 from” October 26,…”
Columbus Life Ins. Co. v. Wilmington Trust NA (D. Ariz. 2024). · cites it 4× “27 8 The exact question the Court certified was: Does Arizona law permit an insurer to challenge the validity of a life insurance policy based on a lack of insurable interest after 28 the expiration of the two-year contestability period required by A.R.S. § 20-1204? (Doc. 103 at…”
Columbus Life Ins. Co. v. Wilmington Trust NA (D. Ariz. 2023). · cites it 2× “14 15 On August 11, 2022, this Court stayed the present matter pending the Arizona 16 Supreme Court’s resolution of the following certified question: “Does Arizona law 17 permit an insurer to challenge the validity of a life insurance policy based on a lack of 18 insurable…”
Windrose Estates Homeowners Ass'n v. Justin T. Wright; Midland Funding, Llc... (Ariz. Ct. App. 2025). · cites it 2× “First, it limited the time period in which such policies could be contested.”
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