There is also a two - year contestability period for material misrepresentations on the application. (protective.com)
Every policy has, by law, a two year contestability period from the date it goes into force. (hinermangroup.com)
Because the 2 year contestability period doesn't mean they don't have to pay a claim, it just means that within the first two years, a claim is reviewed very, very carefully and can be denied if there is evidence of fraud or misinformation on the application. (insuranceblogbychris.com)