Posted On: March 13, 2008, 2:03 pm CDT

Posted By: Dustin

I might get flak for this, but I want to present a differing view point. We in the insurance industry understand the value of words. In fact, our contracts have been worded to make sure there is no "incorrect" interpretation when it comes to claims (even though it happens all the time!). He technically didn't misrep himself because he had not yet been diagnosed or even treated for cancer. While there is some grey area, if we follow those words to the "T" he didn't misrepresent. Generally, if the wording is ambiguous or unclear, doesn't the benefit go to the applicant/policy holder? Should the company include, have you visited a doctor recently over concerns of cancer, ect?