If an insured dies and it is discovered that the insured misstated their age or gender on the application, the life insurance company will:

A. Adjust the death benefit to what the premium would have purchased at the actual age or gender.
B. Adjust the back premiums for the proper age or gender.
C. Pay the face amount specified at the time of policy issue.
D. Deny all claims because of the misrepresentation.



Answer :

Final answer:

Misstating age or gender on an insurance application can lead to denial of claims by the insurance company.


Explanation:

Option D: Deny all claims because of the misrepresentation.


When an insured individual misstates their age or gender on the insurance application, it is considered misrepresentation. In such cases, the life insurance company has the right to deny all claims related to the policy. Misrepresentation can void the contract and result in the insurer not having to pay out any benefits.



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