I only became aware today of the question's title while organising old files today.
My family is Canadian.
A kind person but with poor memory, my mother bought Permanent Life Insurance in Summer 2014, but had first taken medicine for mental illness in Autumn 2009. Thus I asked her whether she disclosed this on her life insurance application, but she cannot remember. We also cannot find a copy of the medical questionnaire for the life insurance.
Thus I am thinking of asking the insurance agent to check if she recorded all of the above, because I know that the insured must be honest with the insurer. Is this the correct next step? I do not know if any "contestability period" affects my mother. Thank you everybody.