To prevent denial of a claim due to misstatements after two years, which provision applies?

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The main idea here is incontestability. After a life insurance policy has been in force for the allotted period (typically two years), the insurer cannot deny a valid claim or void the policy based on misstatements in the application. This provision provides stability for the insured, as long as premiums have been paid and there hasn’t been fraud or other specific exceptions. It means misstatements are no longer grounds to challenge the claim once that two-year period has passed. The insurer can still deny for nonpayment or for fraud that affects the risk, but ordinary misstatements after two years generally can’t be used to deny a claim.