41-1916 — EXCLUDED OR RESTRICTED COVERAGE

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                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 19
                           LIFE INSURANCE POLICIES
                            AND ANNUITY CONTRACTS
    41-1916.  EXCLUDED OR RESTRICTED COVERAGE. A clause in any policy of life
insurance providing that such policy shall be incontestable after a specified
period shall preclude only a contest of the validity of the policy, and shall
not preclude the assertion at any time of defenses based upon provisions in
the policy which exclude or restrict coverage, whether or not such
restrictions or exclusions are excepted in such clause.