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At the end of the contestability period, the insurer can no longer deny claims due to misrepresentation made in the application for insurance, except in cases of fraud. The contestability period typically lasts for two years from the policy's effective date and serves as a time frame during which the insurer can thoroughly investigate claims and the details provided during the application process. After this period, claims are handled with the understanding that the information presented, no matter the accuracy, cannot be used against the policyholder as grounds for denying a claim. This provision protects policyholders, ensuring they are not penalized for unintentional mistakes in their application after a reasonable time has passed.

Other options do not accurately reflect the implications of the contestability period. Claims are not automatically paid simply because the period has ended; they must still be valid and meet the policy's coverage requirements. The insured is not required to renew the policy at that time, nor does the end of the contestability period lead to the termination of the policy.