According to the California Insurance Code, how long must a group policy be in force before its validity can no longer be contested, except for nonpayment of premiums?

A group policy in California is considered valid and cannot be contested after it has been in force for two years, barring instances of nonpayment of premiums. This two-year period is stipulated in the California Insurance Code to provide a reasonable timeframe during which insurers can investigate claims and ensure that the insured has not misrepresented any material facts in the application process. Once the policy has been active for this duration, the insured party gains protection against the insurer's ability to contest the policy based on any statements made in the application unless the premiums have not been paid, which is the sole exception. This framework serves to protect consumers and ensure stability in group insurance coverage.