In Pennsylvania, which of the following events does NOT affect the insurer's ability to contest a policy within the first two years?

The ability for an insurer to contest a policy within the first two years is significantly influenced by certain actions or events. In Pennsylvania, the presence of fraudulent applications, material misrepresentations, and similar issues directly undermines the integrity of the insurance contract, allowing insurers to contest claims based on these factors.

Misstatement of age, however, is treated differently. It is typically not grounds for an insurer to contest a policy in the same manner as other forms of misrepresentation or fraud. Instead, when a policyholder misstates their age, the insurer may simply adjust the benefits or premiums based on the correct age rather than contest the validity of the policy altogether.

A change in beneficiary does not impact the insurer's right to contest; it merely reflects a decision by the policyholder regarding who will be the beneficiary of the policy, without altering the underlying contract terms or the validity of the policy itself. Therefore, among the options given, it is the misstatement of age that does not affect the insurer's ability to contest a policy during the initial two-year period.