Which of the following provisions cannot be included in a life insurance policy in Montana?

In Montana, a life insurance policy cannot include a provision that sets a shorter time limit for legal action than what state law mandates. This provision is crucial because it ensures that policyholders have adequate time to file claims or take legal action if necessary. State laws are designed to protect consumers by providing reasonable time frames for legal recourse, which aligns with the principle that consumers should have fair access to the benefits promised in their insurance contracts.

A shorter time limit could potentially disadvantage policyholders, leaving them with insufficient time to address legitimate claims or disputes. Therefore, this stipulation aligns with consumer protection laws that aim to provide adequate legal recourse for individuals relying on insurance coverage.

In contrast, the other options are permissible under Montana law. For example, policies can stipulate a longer time limit for legal actions than what state law requires, accommodate specific exclusions like accidental death benefits, and allow for certain conditions on death benefits. These provisions can be tailored to suit the insurer's policies and underwriting guidelines, as long as they comply with the overarching consumer protection regulations set by the state.