Which clause specifies the timeframe within which a death claim must be submitted to the insurer?

The clause that specifies the timeframe within which a death claim must be submitted to the insurer is the claim submission clause. This clause outlines the obligations of the beneficiary or claimant to provide notice of the insured's death and to submit the necessary documentation to support their claim for benefits within a specified period. It ensures that claims are addressed promptly and provides a clear timeline for the parties involved.

Understanding this clause is vital because it helps prevent delays in processing the claim, ensuring that beneficiaries receive their entitled benefits in a timely manner. Without adhering to this timeframe, claimants may risk having their claims denied due to late submission.

The other clauses mentioned serve different purposes, such as the incontestable clause, which relates to the insurer's ability to contest the policy after a certain time has passed, primarily focusing on policy validity rather than claims submission. The time limit on certain defenses outlines the limitations on defenses that the insurer can raise after a policy has been in force for a specified period. Lastly, the facility of payment clause provides the insurer with flexibility in deciding to whom the death benefit is paid, not addressing the issue of when claims must be filed.