Under Article 39, the Disclosure Authorization Form for life and health applications is valid for how many months?

• A. 12 months
• B. 24 months
• C. 24 months
• D. 30 months

Answer: (D)

The time frame for how long the Disclosure Authorization Form stays in effect is what this question tests. For life and health applications under Article 39, the authorization remains valid for thirty months from the date it is signed. This longer window lets the insurer continue collecting and sharing necessary information as underwriting and any subsequent reviews or updates occur, without requiring a new form for each new piece of information within that period.

After thirty months, the authorization expires unless a new one is signed, and you can revoke the consent at any time in writing if you choose. Shorter durations, like twelve or twenty-four months, wouldn’t cover the entire typical underwriting and information-gathering timeline, which is why they aren’t correct for this specific form.