Does no one think they have an obligation to go by the company rules? If the application does not ask a question but the underwriting guide says not to write it, then the company cannot cancel or contest the policy based on the insured falsifying the application.. However if the company finds you submitted applications that did not comply with the UW guide they can cancel your contract. In fact, since most contracts state you abide by all rules published by the company, if they can prove you had knowledge that the client did not meet the requirements in the guide and yet you went ahead and submitted the app anyway, they could terminate for cause and not pay your vested renewals.
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