Question: Cichowlas applied to Life Insurance Co for a policy of
Cichowlas applied to Life Insurance Co. for a policy of life insurance, naming his wife as beneficiary of the policy. When he applied, his health was good and he answered all questions truthfully. Between the time of the application and the issuance of the policy, he developed a lung disease but never told Life Insurance about it. When he died, the insurance company refused to pay his widow the proceeds of the policy, claiming her husband was not insurable when the policy was issued. Is this position correct? (Life Insurance Co. of North America v. Cichowlas, 659 So, 2d 1333)
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