Reply #8: If you have something that hasn't been treated and isn't in your MIB

[RB TexLa]

you don't put it on an application. You might suffer from a chronic cough or pain but if you have never been treated for it you don't list it. No treatment no record of it in you MIB file. It's not your responsibility to either self diagnose anything or revel anything that hasn't been treated.

Now for many types of insurance policies there will be the reasonable and prudent person clause. Say you buy cancer expense insurance and two months later find out you have cancer and have had it for more than a year but showed no symptoms, your cancer policy is going to pay. If however you after buying the insurance go and get the baseball size lump that has been under your arm for three years checked and it is cancer they are not going to pay except to refund your premiums.