When Ben applied for life insurance, he was asked on the application if he smoked or used tobacco products. Ben answered No. In reality, Ben smokes two packs of cigarettes a day.
The policy was issued at the preferred, nonsmoker rate. If Ben dies 6 months after the policy is issued, upon what grounds will the insurer be able to legally deny the claim?
A) warranty
B) misrepresentation
C) waiver
D) concealment
Question 2
Ted's insurance claim was denied by XYZ Insurance Company. When Ted inquired why the claim was denied, he was told to, Read the exclusion on page 5 of the policy. Ted read the exclusion.
In his opinion, the exclusion was poorly worded and vague. If a court of law agrees with Ted's assessment of the exclusion, Ted may still be able to have his claim paid by the insurer because insurance contracts are
A) personal contracts.
B) unilateral contracts.
C) aleatory contracts.
D) contracts of adhesion.
The web of life
Application of an ostomy bag or pouch: E, A clamp is applied to the bottom of the bag once it is in
The four stages of life expressed in five different primates.
Life cycle of a T-even bacteriophage, as known in 1952
Life cycle of a club fungus having two mating strains of hyphae