In the first 2 years of a life insurance contract, a life insurer can challenge coverage based on misrepresentation contained in the application for insurance. With only a few exceptions, misrepresentations made on the application cannot be challenged after the policy has been in force for 2 years. What contract provision provides for this?

A. the principle of insurable interest

B. The incontestable clause

C. The doctrine of concurrent causation

D. The suicide clause