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I've had a few contested. Here is my experience:
1. Oxford- decided within a couple weeks but that was because they discovered the applicant had been on a dementia med. Did not pay the claim (justified). Policy was in the 23rd month. (Ouch!)
2. Foresters- took 9-months but finally paid the claim
3. Settlers- one month, paid claim
4. American Continental- took 3- months before they started looking at it. Drug feet. It was actually non-contestible due to KY law. Claims department after consulting with legal department determined that only applied to "internal" replacements. More feet dragging. It finally occurred to me to quit trying to talk sense into their legal department and contact their regional sales manager. Claim paid within 2-hours of his involvement.
5. 5-Star- 1st contestible claim was settled within 30-days but it was pretty clear he was hit by a train. They probably just had to verify that he wasn't suicidal. 2nd contestible claim was paid within 90-days.
I think that's all the contestibles I've had on FE policies.
I had the same exact thing happen to me with oxford. Client passed in the 23rd month and they found dementia in his records...