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a new policy. So for example an illness that has few present symptoms but that can recur frequently. Or previous life shortening diseases that you might have been cured of, but that still affect life expectancy.

Even if you succeed in committing misrepresentation on your life insurance policy, there are still plenty of opportunities for the company to find out if the policy is claimed after you have died. Firstly they will have access to any findings from an autopsy, which is something else insurance companies insist on. They will also have all access to all medical records as far back as child immunizations. So in short if they do find any traces of things such as pre-existing or long-term health complications that you claimed to be free of. Then the claim will be voided and your beneficiary wont be able to collect any payout.

So in general it is not worth voiding the policy to try to lie on your life insurance application. The chances of success in achieving either a lower premium, or being able to in essence commit fraud if you know you do not have long to live are minimal. Thousands of people have tried and failed using all manner of tricks and scams, which the insurance companies have vast experience of. Honesty is always the best way of ensuring that your grieving relatives aren't left with legal wrangling to deal with in the event of you breaking the policy contract.

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