KRS 304.16-130: Incontestability.

There shall be a provision that the validity of the policy shall not be contested, except for

nonpayment of premiums, after it has been in force for two (2) years from its date of

issue; and that no statement made by an individual insured under the policy relating to his

insurability shall be used in contesting the validity of the insurance with respect to which

such statement was made after such insurance has been in force prior to the contest for a

period of two (2) years during such individual's lifetime nor unless it is contained in a

written instrument signed by him.