What is the time frame that the incontestability provision gives the insurer to contest any statements made by the insured at the time of application?

The period is generally about 2 years for information provided honestly and to the best of one's knowledge at the time of application. If information provided changes as time passes, the insurer should notified, but if that is not possible, the clause could protect the insured from penalty. However, it is important to note that incontestability clauses are not license to commit fraud. If you are ever found to make material misrepresentations in the past that lead to benefits paid, the insurer has the right to pursue restitution and criminal charges. Statute of limitations, if any, would vary from state to state. If there has been a claim and the provision may apply, read the insurance policy itself as it may indicate specific peramaters, definition and length of such a clause (contact your agent for help) or your state's Department of Insurance should have a Consumer Hotline and if necessary, they could obtain the specifics from your insurer.