Life insurance policies come with a two - year contestability period after purchase, during which time the insurer is allowed to, and will often, investigate and contest the circumstances around your death. (valuepenguin.com)
There is also a two - year contestability period for material misrepresentations on the application. (protective.com)
The 2 - Year contestability period starts from when the policy was first put in force by the carrier. (termlife2go.com)