Paul Revere Life Insurance v. Haas

The opinion of the Court was delivered by

*195POLLOCK, J.

We granted the petition for certification of plaintiff, The Paul Revere Life Insurance Co. (plaintiff, the insurer, or Paul Revere), 137 N.J. 307, 645 A.2d 136 (1993), to determine whether a statutorily-mandated “incontestability clause” included in a disability policy precludes the insurer from denying a claim when the insured intentionally failed to disclose a disabling disease in the insurance application. We hold that an insured may not recover under a disability insurance policy for a disease that he or she intentionally concealed when…