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Life insurance terminology shouldn't be confusing. Here is the definition of concealment.
The deliberate hiding of or failure to disclose "material" information known to be relevant in the underwriting of an insurance policy.
For example, John tells his agent during the application process that he has never smoked when actually he did five years ago and has since quit. If the truth comes to light after the policy is in force, depending on how much time has passed the insurer has the right to cancel or modify the policy.
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Yes, we have to include some legalese down here. Policygenius Inc. (DBA Policygenius Insurance Services in California) (“Policygenius”), a Delaware corporation, is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.
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