what is an incontestability clause 
an incontestability clause in most life insurance policies prevents the provider from voiding coverage due to a misstatement by the insured after a specific amount of time has passed a typical incontestability clause specifies that a contract will not be voidable after two or three years due to a misstatement incontestability clauses help protect insured people from firms who may try to avoid paying benefits in the event of a claim while this provision benefits the insured it cannot protect against outright fraud 