The incontestability period is the period when the life insurance company can no longer "Contest" the coverage provided by a life insurance policy.

In addition, the Contestability Period is the period where the insurance carrier has the right to deny coverage or void the insurance policy for wrong statements (material misrepresentations) provided by the insured on the application for coverage.

When life insurance is purchased, the contestability period starts the first day the policy begins providing coverage as stated on the Declaration Page of the insurance policy.