Practice question
Describe the short-term group life issue resolved in the January28 2026 Monera MAIN decision. Explain why the Court did not deem a three-month policy incontestable by inventing a shorter proportional period, and how that differs from a policy that actually meets the statutory two-year condition.
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 decision, especially discussion of the two-month First Policy, three-month Second Policy and Section234(b).
- Insurance Code as amended RA10607: https://lawphil.net/statutes/repacts/ra2013/ra_10607_2013.html Sections48 and234(b).
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