If they need it then it just slows up the claim processing. Most policies with contestable clauses are a two year look back. If seen claims submitted many different ways. Depending on the company the proof of loss is the main need then it’s a matter of any claims against the policy. Any policy loans, assignment of benefits, child lien, etc.

The state of issue and the face amount drives a lot of the next steps and then of course any contestable review.