An incontestability clause places a time limit on the right of an insurance company to deny a claim.

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An incontestability clause typically states that after a certain period of time (usually 1-2 years), the insurer cannot deny a claim based on statements made in the application unless the statements were fraudulent. This gives the insured some certainty that their policy will not be contested indefinitely.

An Incontestability Clause Places a Time Limit on the Right