"Do you understand that this policy will not pay benefits during the first _______ year (s) after the issue date for a disease or physical condition which you now have or have had in the past?" () YES
Or substantially the following statement:
"I understand that the policy applied for will not pay benefits for any loss incurred during the first _______ year (s) after the issue date on account of disease or physical condition which I now have or have had in the past."
W. Va. Code R. § 114-10-6