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insurance application details

53 Views  ⚫  Asked 2 Months Ago
asked on Mar 4, 2020 at 23:25
by  
edited on Mar 4, 2020 at 23:31
by   Jack Lyn
hi
I have a child without marriage certificate.

When filling out the insurance form for medical & life insurance for me, the agent thought i'm married so he put marital status as "Married".
The pricing of the insurance is the same for married & non-married.
The policy is 2 years old.

My question is,
1) could the insurance company void my policy?
2) could they reject my claims in the future?
3) is this a fraud? (since i do not benefit from declaring married or non-married)
4) if my marriage certificate date is later than the policy application date (i get married afterward), could they still void the policy or reject my future claims?
5) what do you suggest i do? terminate the policy and apply new one with valid information?
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