need the answers

Question 1 (4 points) Phil suffered a heart attack several years before applying for life insurance, but denied that he ever had one on the policy application. The insurer fails to discover the lie and issues the policy. Three years later, Phil dies of a second heart attack and his wife files a claim for the life insurance death benefit. Which of the following statements is true? the insurer can deny the claim since Phillied on the original application the insurer must pay the claim since the policy can no longer be contested the insurer can deny the claim since the statements that Phil made on his application are considered to be "warranties" the insurer must pay the claim since it failed to discover the lie and issued the policy when Phil first applied for it