Opinion ID: 1911527
Heading Depth: 1
Heading Rank: 2

Heading: The incontestability clause.

Text: The policy contained the following clause: Incontestability  this policy shall be incontestable after two years from its date, except for non-payment of premiums and except as to provisions and conditions (if any) relating to benefits to total and permanent disability and those granting additional benefits against death by accident. In our opinion this suit to reform the policy is not a contest of the policy within the meaning of the incontestability clause. We agree with the great majority of cases from other jurisdictions in holding that if there are grounds for granting the equitable remedy of reformation, the incontestable clause is no defense. Ann. 7, A.L.R.2d 504 (1949). The cases generally hold that a suit for reformation is not a contest of the policy but an attempt to have the court of equity determine the insurer's liability in accord with the actual agreement of the parties.