Normally a life insurance policy will have a non-contestability clause which gives the insurance a defined period of time where it can contest payment of a claim. But after that period of time, payment is "automatic".
So essentially, an insurance company could contest a payment for a recent life insurance policy you bought just before undertaking a risky activity but older policies will probably be un-contestable.
Of course, this all depends on your specific policy. But since Whitney is below 14,760 you should be okay ;-)
