(Appendix) Brandon, age 32, is married and has a son, age one. Six months ago, Brandon purchased an individual health insurance policy covering the entire family.

His son was recently diagnosed with congenital heart disease. When Brandon submitted the medical bill for his son’s treatment, the insurer attempted to deny payment on the grounds that Brandon had concealed his son’s heart condition because the condition was not disclosed in the application at the time the policy was purchased. Can the insurance company legally deny payment of the claim? Explain your answer. LO6-4