Its unique clauses include the incontestable clause, the basic content of which is that after a certain period (usually two years), the life insurance contract becomes an incontestable document, and the insurer can no longer claim that the insurance contract is invalid from the beginning on the grounds that the applicant violates the principle of utmost good faith and fails to fulfill the obligation of disclosure. Adding force majeure clauses to insurance contracts is a measure to protect the interests of the insured and limit the rights of the insurer.
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