The incontestability clause prevents insurers from voiding a policy after a specified period, except in cases of fraud or non-payment of premiums:

2 years (C): Maryland law mandates a maximum incontestability period of two years. After this period, the insurer cannot deny claims due to misstatements on the application.

30 days (A) and 6 months (B): Too short for standard incontestability clauses.

3 years (D): Exceeds the Maryland limit.