The incontestable clause means that the insurer may uncover an unquestionable fraud and be unable to do anything about it if the incontestable period has expired.

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The incontestable clause in a life insurance policy means that after a certain period (usually two years), the insurer cannot contest the policy or refuse a claim based on misstatements by the insured, except in cases of fraud. However, if the fraud is discovered after the incontestable period has expired, the insurer may indeed be unable to contest the policy or deny a claim based on that fraud.

The Incontestable Clause Means That the Insurer May Uncover an Unquestionable