---
kind: "section"
citation: "38 U.S.C. § 1910"
title: "38"
title_heading: "Veterans’ Benefits"
number: "1910"
heading: "Incontestability"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/38/1910"
units:
  - "Part II — General Benefits"
  - "Chapter 19 — Insurance"
  - "Subchapter I — National Service Life Insurance"
---

# §1910. Incontestability


Subject to the provisions of [section 1911 of this title](/usc/38/1911.md) all contracts or policies of [insurance](/usc/38/1901.md?p=1) heretofore or hereafter issued, reinstated, or converted shall be incontestable from the date of issue, reinstatement, or conversion except for fraud, nonpayment of premium, or on the ground that the applicant was not a member of the military or naval forces of the United States. However, in any case in which a contract or policy of [insurance](/usc/38/1901.md?p=1) is canceled or voided after March 16, 1954, because of fraud, the [Secretary](/usc/38/101.md?p=1) shall refund to the insured, if living, or, if deceased, to the person designated as beneficiary (or if none survives, to the estate of the insured) all money, without interest, paid as premiums on such contract or policy for any period subsequent to two years after the date such fraud induced the [Secretary](/usc/38/101.md?p=1) to issue, reinstate, or convert such [insurance](/usc/38/1901.md?p=1) less any dividends, loan, or other payment made to the insured under such contract or policy.


## Source credit

(Pub. L. 85–857, Sept. 2, 1958, 72 Stat. 1149, § 710; renumbered § 1910 and amended Pub. L. 102–83, §§ 4(a)(2)(A)(iii)(II), (b)(1), (2)(E), 5(a), (c)(1), Aug. 6, 1991, 105 Stat. 403–406.)

## Notes

### Editorial Notes

### Amendments

1991—Pub. L. 102–83, § 5(a), renumbered section 710 of this title as this section.

Pub. L. 102–83, § 5(c)(1), substituted “1911” for “711”.

Pub. L. 102–83, § 4(b)(1), (2)(E), substituted “Secretary” for “Administrator” before “shall”.

Pub. L. 102–83, § 4(a)(2)(A)(iii)(II), substituted “Secretary” for “Veterans’ Administration” before “to issue”.