Court of Appeals of Maryland February 9, 1999, 103, Sept. Term, 1996 (Mutual Life Insurance v. Insurance Commissioner)

ELDRIDGE, Judge.

We issued a writ of certiorari in this case to decide whether an insurer may lawfully deny a disability claim, more than two years after the issuance of a disability insurance policy, on the ground that the disabling condition manifested itself prior to the effective date of the insurance policy, where the policy contains a statutorily required incontestability clause providing