What do you mean by fight it? Was there a death prior to the expiration of the 2 years and they are using this so as not to pay out on the claim; was there a death after the 2 year period and they are trying to use the clause in some way to void the policy; or do you want the insurance company to waive the clause before you sign?
Without more details it's hard to say much more. If you could re-submit your question that would be helpful.
Thanks


Are you a lawyer?