Which Statement About the Incontestable Clause Is True

Multiple Choice

Which statement about the incontestable clause is true?
I.It protects the beneficiary if the insurer tries to deny a claim years after the policy is issued.
II.If protects the insurer from having to pay a claim during the first two years if the insured made a material misrepresentation or concealed material information in the application.

A) I only
B) II only
C) both I and II
D) neither I nor II