SDCL § 58-11-44.1: Unanswered questions no basis for denial of recovery unless insurer demanded answers.

Questions on an application for a life or health insurance policy or annuity contract which are not answered shall not serve as a basis for denying recovery pursuant to subdivisions 58-11-44(1) to (3), inclusive, unless the insurer challenges the same and demands an answer within ninety days from receipt of the application.