A more thorough explanation:

A noncontestability clause is a legal mechanism used in trust and estate planning, as well as in insurance policies, to prevent beneficiaries or insurers from contesting the validity of a will, trust, or policy after a certain period of time has passed.

In trust and estate planning, a noncontestability clause requires that a beneficiary forfeit their right to contest a will or trust in order to receive their inheritance. This clause is used to discourage beneficiaries from challenging the validity of a will or trust, or the actions of an executor or trustee. However, the enforceability of these clauses varies by state. For example, South Carolina allows noncontestability clauses, while other states only allow challenges to be made with probable cause.

John's will includes a noncontestability clause that states that any beneficiary who challenges the validity of the will forfeits their inheritance. This clause discourages John's children from contesting the will and ensures that his assets are distributed according to his wishes.

In insurance policies, a noncontestability clause limits the insurer's ability to investigate and dispute false representations made by the insured party at the time of application. After a certain period of time has passed, the insurer cannot contest the policy based on misrepresentations made by the insured party.

Sarah applies for a life insurance policy and falsely states that she has never been diagnosed with a serious medical condition. The policy includes a noncontestability clause that states that after two years, the insurer cannot contest the policy based on misrepresentations made by the insured party. Two years later, Sarah passes away due to complications from the medical condition she failed to disclose. The insurer cannot deny the claim based on Sarah's misrepresentation because the noncontestability clause has expired.