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When QuotesChimp fill out an insurance application, you make repre?sentations to the company concerning facts about yourself. Many of these facts are vital to the underwriting process?for example, whether you smoke, in the case of a life insurance policy. If you lie about any of these facts and the company catches you, and if a court concludes that the lie was material (important) to the underwriting decisions of the company, you could lose some benefits or the company may be allowed to cancel the policy.
