An insurer denied payment of the life insurance proceeds to the beneficiary. The insurer claimed that during the application process , the insured hinted that she might be concealing something material. The life insurance agent made a note about this possibility and filed it with other related documents sixteen months ago when the policy was written . Which life insurance contractual provision protects the beneficiary by not permitting the insurer to introduce this information to deny the claim?

a) reinstatement clause

b) change -of -plan provision

c) entire contract clause

d) incontestable clause