Clancy knew he could not meet the physical requirements for insurability, so he had his twin brother, Clarence, take the physical examination in his place. A policy was issued, and three years later, Clancy died. The insurance company claims manager learned that Clancy's twin took the examination in his place and refused to pay the claim. Clancy's beneficiary sued the company for the proceeds, claiming that the two$-$year contestable period had expired. Did the company have to pay? Why or why not?