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2787 After a disability policy has been in effect for two years, the incontestability clause bars an insurer from denying coverage for disability resulting from a disease that manifested itself before the policy's date of issue but was not specifically excluded from coverage by policy language.CitationGALANTY v PAUL REVERE (Incontestability) 23 C4 368 [See: InsC 10350.2, 10113.5, 10206; McMackin v Great American 22 CA3 428; Callahan v Mutual Life (RevGrtd) 71 CA4 1089, T/AT 6/99; United Fidelity v Emert 49 CA4 941, T/AT 11/96; Amex v Superior Court 14 C4 1231, T/AT 4//97; Galanty v Paul Revere 66 CA4 15, T/AT 9/98]
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