Incontestability Clause

Plain English Definition: An incontestability clause prevents insurance companies from canceling a policy after a certain period, even if there are errors in the application.

What Incontestability Clause really means for someone with an insurance policy

This clause ensures that after a specified time, typically two years, your insurer cannot void your policy due to misstatements made when applying, except for fraud.

Incontestability Clause Real World Examples

• Your life insurance policy remains valid despite incorrect health information discovered after two years.
• The insurer cannot cancel coverage due to an overlooked medical condition after the clause period.
• Protection against policy denial based on past application errors.