Nicole is applying for the health insurance policy. She has a chronic liver ailment and other health problems. She honestly disclosed the true facts concerning her medical history to the agent. However, the agent did not include all the facts in the application. Instead, the agent stated that he was going to cover material facts in a separate letter to the insurance companys underwriting department. However, the agent did not furnish the material facts to the insurer, and the contract was issued as standard. A claim occurred shortly thereafter. After investigating the claim, the insurer denied payment. Nichole contends that the company should pay the claim because she answered honestly all questions that the agent asked? Also, it is found that an agent had done the health insurance of Nicole in three different companies.

On what basis can the insurance company deny payment of the claim?

What Legal doctrines can Nichole use to support her argument that the claim should be paid?

• If Nicole gets the insurance payment? Which she receive the insurance full Amount of claim from all three insurance company ?