Reinstatement provisions include which true statement regarding incontestability and suicide exclusions?

• A. Reinstatement may occur at any time without underwriting
• B. Reinstatement ends all policy exclusions
• C. Reinstatement does not affect the policy's incontestability
• D. Reinstatement results in a new incontestability period and not a new suicide exclusion

Answer: (D)

Reinstatement restarts the policy’s contestability timing but does not create a new suicide-exclusion window. When a lapsed policy is reinstated, the incontestability period begins anew from the reinstatement date, meaning the insurer can’t contest misstatements after that point after the policy has been in force for the usual two years. The suicide exclusion, however, remains tied to the original issue date and is not restarted by reinstatement. So, reinstatement brings a new incontestability period while not generating a fresh suicide exclusion.