The insurance carrier's right to contest insurability after a certain number of years of premium payments on the policy is limited by the incontestable clause.

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The incontestable clause typically limits the insurance carrier's right to contest insurability after a certain period of time, often two years from the date of the policy issuance. This means that after this time has passed and the policy premiums have been paid, the carrier can no longer contest or void the policy due to inaccurate or incomplete information provided by the policyholder during the application process.

The Insurance Carrier's Right to Contest Insurability After a Certain