An insured stated on her application for life insurance that she had never had a heart attack, when in fact she had a series of minor heart attacks last year for which she sought medical attention. Which of the following with explain the reason a death benefit claim is denied?

An insured stated on her application for life insurance that she had never had a heart attack, when in fact she had a series of minor heart attacks last year for which she sought medical attention. Which of the following with explain the reason a death benefit claim is denied?


A. Material misrepresentation

B. Waiver

C. Utmost Good Faith

D. Estoppel


Answer: A. Material misrepresentation

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