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You must honestly answer all questions on the application.

Ordinarily, there is a question pertaining to prior denials of insurance. If you do not accurately answer the question the insurer may have a later basis for denying payment of a claim. Alternatively, if the misrepresentation is discovered before a claim is made (in this case, before death), the insurer usually has a basis to void the policy and return all premiums paid to the point it discovers the misrepresentation.

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Q: When shopping for life insurance do you have to disclose denied coverage?
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