John applies for a life insurance policy and on one of the application questions, he has been asked about his medical history. When asked about whether he has ever had cancer, John, having forgotten about an episode of skin cancer ten years ago, answers "No.

1) Could his insurer deny claim 1 year after the policy was issued based on this incorrect medical information? Explain.

2) If two years have passed since the policy was issued, could his insurer deny a claim based on this incorrect medical information?Explain.

3) If two years have passed since the policy was issued and John died in war, could his insurer deny a death benefit claim? Explain.