---
title: O.C.G.A. § 33-28-4. Scope of incontestable clause.
collection: code
id: 33-28-4
cite_as: O.C.G.A. § 33-28-4 (2025)
canonical_url: https://georgiacommons.org/code/33-28-4
md_url: https://georgiacommons.org/code/33-28-4.md
text_url: https://georgiacommons.org/code/33-28-4/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t33-ch23-65-(v25)-2020-pdf.pdf?sfvrsn=68297_0#page=496
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
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version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: INSURANCE / ANNUITY AND PURE ENDOWMENT CONTRACTS
---

# O.C.G.A. § 33-28-4. Scope of incontestable clause.

A clause in any annuity contract providing that the contract shall be incontestable after a specified period shall preclude only a contest of the validity of the contract and shall not preclude the assertion at any time of defenses based upon provisions in the contract which exclude or restrict coverage, whether or not the restrictions or exclusions are excepted in the clause.

## History

Code 1933, § 56-2604, enacted by Ga. L. 1960, p. 289, § 1.