After the contestable period, the incontestable clause generally bars reformation to correct clerical errors.

• A. True
• B. False
• C. Not applicable
• D. Only if material.

Answer: (B)

The main idea here is how the incontestable clause interacts with fixing drafting mistakes. The incontestable clause protects the policy after the contestable period from being challenged based on misstatements in the application, with certain fraud exceptions. But this protection doesn’t stop another remedy that fixes the contract itself when there are clerical errors. Reformation is used to correct mistakes in the policy’s wording to reflect what the parties actually intended, such as the correct face amount, premium, or beneficiary. Because this is about correcting a written contract, not about challenging the insured’s truthfulness, the remedy can apply even after the contestable period. So the statement is false: clerical-error reformations are generally not barred by the incontestable clause. If the issue instead involves misstatements about age or health, those matters fall under contestability (within the period) or fraud exceptions, not the clerical-error reformation.