On November 19, 1991, Thomas Springer completed an application for a $200,000 five-year term life insurance policy with Allstate. We conclude that in this case the two-year contestability period runs from the start date of the policy, not the binder. In this appeal we are called upon to determine the starting *648 point for the two-year contestability period in which a life insurance carrier can deny coverage as a result of the insured's death by suicide when the insured purchased a binder prior to issuance of the life insurance contract. Kelly and Mark Chauvin Bezinque of counsel), for respondent.Ĭhief Judge KAYE and Judges BELLACOSA, SMITH, LEVINE, CIPARICK and ROSENBLATT concur. *647 Davidson, Fink, Cook, Kelly & Galbraith, L. ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK, Appellant.Ĭourt of Appeals of the State of New York.
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