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| TIME LIMIT ON CERTAIN DEFENSES |
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After three years from the date of issue of this Policy no misstatements, except fraudulent misstatements, made by the Applicant in the application for such Policy shall be used to void the Policy or to deny a claim for loss incurred commencing after the expiration of such three year period. No claim for loss incurred commencing after three years from the date of issue of this Policy shall be reduced or denied on the ground that a disease or physical condition not excluded from coverage by name or specific description effective on the date of loss had existed prior to the effective date of coverage of this Policy. |
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