Under O.C.G.A. § 33-25-3, after how many years from the date of issue does a Georgia life insurance policy become incontestable except for nonpayment of premiums?

Why this is the answer

O.C.G.A. § 33-25-3 sets the incontestability period at two years from the date of issue, provided the insured has been alive during that time. After two years, the insurer cannot rescind the policy or deny a claim based on material misrepresentations in the application, even if the misstatements were intentional, except for nonpayment of premiums. This statutory protection prevents stale claim contests and gives insureds certainty about their coverage after the contestability window closes.