What Will Void A Life Insurance Policy? 
what will void a life insurance policy ? Basically any deciet given during the application process will void a policy if found out within the first two policy years . After that , in most cases contestability by an insurance carrier has ended . Except some states have modified contestibility laws sometimes in the insurance company 's favor . In my state , concerning lying about smoking on the application , there is no limit for an insurance company to contest . The state considers the policy null and void . Other states may have something similar . 