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2349 REVIEW GRANTED After the period specified by an incontestability clause, a disability policy is not subject to contest on the ground that the insured concealed the fact that she had multiple sclerosis at the time she purchased the insurance; however, a policy that insures against sickness that is first manifest while the policy is in effect does not cover a disease that had manifest itself prior to the insured's purchase of the policy.CitationCALLAHAN v MUTUAL LIFE (Multiple Sclerosis) 71 CA4 1089 [See: InsC 10350.2; NY Life v Hollender 38 C2 73; Cohen v Metropolitan 32 CA2 337; Amex v Superior Court 14 C4 1231, T/AT 4/97]
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