... problems. He honestly disclosed the true facts concerning his medical history to the insurance agent. However, the agent did not include all the facts in the application. Instead, the agent stated that he was going to cover the material facts in a separate letter to the insurance company’s underwriting department. However, the agent did not furnish material facts to the insurer and the contract was issued as standard. A claim occurred shortly thereafter .After investigating the claim, the insurer denied payment. Osama contends that the company should pay the claim because he answered honestly all questions that the agent asked.
a) On what basis can insurance company deny payment of the claim?
b) What legal doctrines can Osama use to support his argument that the claim should be paid?