Table of Contents
1. Introduction ............................................................................................................................ 2
2. Origin and Legal Development .............................................................................................. 2
2.1 Origin of the Incontestable Clause .............................................................................. 2
2.2 Evolution and Legal Development .............................................................................. 3
3. Effects of the Incontestable Clause ...................................................................................... 5
3.1 Advantages .................................................................................................................... 5
3.2 Disadvantages................................................................................................................ 6
4. Applications ............................................................................................................................ 8
4.1 Characteristics ............................................................................................................... 8
4.2 Interpretation and Application in Hong Kong ............................................................. 9
5. Conclusion .......................................................................................................................... 10
6. Recommendations .............................................................................................................. 10

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1. INTRODUCTION
The Incontestable Clause is a provision in a life insurance policy that precludes the insurer from alleging that the policy, after it has been in effect for a stated period (typically two or three years), is void because of misrepresentations made by the insured in the