how an incontestability clause works
the incontestability clause in life insurance policies is one of the strongest protections for a policyholder or beneficiary while many other legal rules for insurance favor the insurance companies this rule is notably and strongly on the side of the consumer conventional rules for contracts stipulate that if false or incomplete information was provided by one party when making the contract then the second party has the right to void or cancel the agreement the incontestability clause forbids insurance companies from doing this lying to an insurance company with an intention to deceive can result in the cancellation of coverage or even criminal charges three common exceptions to the incontestability clause