O'SCANNLAIN, Circuit Judge:
We must decide whether an insurer may be estopped from denying disability coverage for unreasonable delay in processing the insured's application.
I
In January 1989, Paul Ranes, a surgeon living in Washington State, applied for disability insurance with Paul Revere Life Insurance Company. The application had two parts. Part I required general health and financial information, which Ranes completed on January 3. Part II...
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