Practice question
A three-month group credit life policy never remained in force for two years. The insured concealed known cancer treatment material to underwriting. The heirs demand a judicially invented contestability period proportionate to the three-month term. Under the January28 2026 Monera MAIN decision, which response is correct?
- The statutory two-year threshold was not met; the Court left new short-term contestability requirements to the legislature
- The Court adopted a universal three-day contestability period
- Every short-term life policy is automatically incontestable from issuance
- A dissent supplied the binding judgment awarding all proceeds
- The Court held that every three-month policy must be treated as having run for two years
Legal references
- Intestate Heirs of Monera v. Manila Bankers Life, GR246446, January28 2026, Dimaampao MAIN decision: https://elibrary.judiciary.gov.ph/thebookshelf/showdocs/18/70461 MAIN opinion: Sections27,31,234(b), three-month Second Policy and legislative role.
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