After the expiration of the incontestability period of a life insurance policy,the insurer must pay the face amount of the policy when the insured dies and cannot claim that in obtaining the policy,the insured had been guilty of misrepresentation,fraud,or any other conduct that would entitle it to avoid the contract of insurance.

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This is the definition of the incontestability clause in a life insurance policy. After the incontestability period (usually 2 years), the insurer cannot challenge the validity of the policy due to misrepresentation or fraud by the insured.

After the Expiration of the Incontestability Period of a Life