Incontestability

Incontestability is a provision in life insurance policies stating that after the policy has been in force for a specified period — typically two years — the insurer cannot contest the validity of the policy or deny a claim based on misrepresentations made on the application, except in cases of intentional fraud. This provision gives policyholders and beneficiaries certainty that the policy cannot be retroactively cancelled after the contestability window closes. Incontestability does not apply to exclusions that are clearly defined in the policy (such as a suicide clause or aviation exclusion) or to conditions where fraud can be demonstrated.