When Dennis Applied for a Policy of Life Insurance,one of the Questions

question 52

Essay

When Dennis applied for a policy of life insurance,one of the questions on the medical questionnaire asked: "Have you ever been hospitalized?" Dennis answered truthfully that he had been hospitalized in 1993 to have his tonsils out and in 1996 to have his appendix out.The life insurance policy was issued.Sixteen months later Dennis died of a heart attack and the insurance company discovered that he had been hospitalized in 1985 due to a mild heart attack.The beneficiary of the life insurance policy applied for the death benefit,claiming quite correctly that Dennis had been truthful in the application,but the insurance company refused to pay the death benefit.What legal basis does the insurance company have for refusing to pay?

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Definitions:

Parietal Lobe

A region of the brain involved in processing sensory information regarding the location of parts of the body as well as interpreting visual information and processing language and mathematics.

Cingulate Gyrus

A curve of brain tissue located above the corpus callosum that plays a role in emotion formation, processing, learning, and memory.

Inaccurate Memories

Memory distortions or inaccuracies that arise from the retention, interpretation, and retrieval process, leading to false or altered recollection of events.

Suggestible People

Individuals who are more likely to accept and internalize ideas or attitudes suggested by others.