Michigan Compiled Laws

Mich. Comp. Laws § 500.4014 (2026)

Entire contract; incontestability; exceptions.

✓ current as of July 2026

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THE INSURANCE CODE OF 1956

Act 218 of 1956

500.4014 Entire contract; incontestability; exceptions.

Sec. 4014.

There shall be a provision that the policy, together with the application therefor, a copy of which application shall be endorsed upon or attached to the policy and made a part thereof, shall constitute the entire contract between the parties and shall be incontestable after it shall have been in force during the lifetime of the insured for 2 years from its date, except for non-payment of premiums and except for violations of the policy relating to naval and military services in time of war, and at the option of the company provisions relative to benefits in the event of total and permanent disability and provisions which grant additional insurance specifically against death by accident may also be excepted.

History: 1956, Act 218, Eff. Jan. 1, 1957

PopularName Notes:

Act 218

Notes of Decisions

Cited in 6 cases (1 in the last 5 years), 1970–2026 · leading case: Smith v. Globe Life Ins., 597 N.W.2d 28 (Mich. 1999).

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Smith v. Globe Life Ins., 597 N.W.2d 28 (Mich. 1999). “Citing MCL 500.4014; MSA 24.14014, this Court explained that an insurance policy “generally ‘shall be incontestable after it shall have been in force during the lifetime of the insured for 2 years.”

In Re Certified Question, 318 N.W.2d 456 (Mich. 1982). “) It should not pass unnoticed, however, that the Legislature has limited in other ways an insurer's power to avoid an insurance policy on grounds of material misrepresentation.”

Starbuck v. City Bank & Trust Co., 181 N.W.2d 904 (Mich. 1970). · cites it 2× “The application and policy as required by MCLA § 500.4014 (Stat Ann 1957 Rev § 24.14014) provided that the policy together with the application constituted the entire contract between the parties.”

Wickersham v. John Hancock Mut. Life Ins., 413 Mich. 57 (Mich. 1982). “) It should not pass unnoticed, however, that the Legislature has limited in other ways an insurer’s power to avoid an insurance policy on grounds of material misrepresentation.”

Najor v. Wayne Nat'l Life Ins., 178 N.W.2d 504 (Mich. Ct. App. 1970). “2 CLS 1961, § 500.4014 (Stat Ann 1957 Rev § 24.14014).”

Elizabeth Ferguson v. MetLife Investors USA Ins. Co. (6th Cir. 2026). “1982) (citing Mich. Comp. Laws § 500.4014 ), but Brighthouse undoubtedly contested the veracity of Ewanda’s answers within two years of her reinstatement application.”

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