Practice question
A group-life policy lasts only three months and never remains in force for two years during the insured's lifetime. A claimant says the default two-year threshold was nonetheless completed merely because litigation occurs years later. What does Monera's January 2026 main decision support?
- Litigation delay automatically extends every policy's coverage.
- Every short policy is automatically incontestable from its first day.
- The insurer wins every short-policy dispute without proving a ground.
- The short policy did not satisfy the stated in-force threshold; elapsed calendar time after lapse alone does not supply it.
- Every renewal necessarily merges into perpetual coverage.
Legal references
- Insurance Code as amended by RA10607, Sections26–48 and95–100: https://lawphil.net/statutes/repacts/ra2013/ra_10607_2013.html
- Heirs of Monera v. Manila Bankers Life, GR246446, January28 2026, main decision: https://elibrary.judiciary.gov.ph/thebookshelf/showdocs/1/70461
Answer this question in flashcards to review your response and continue practicing.