Nicole is applying for a health insurance policy. She has liver disease and other health problems. She honestly disclosed the true facts to the insurance agent. However, the agent did not include all the facts in the application. The contract was issued as standard. A claim occurred shortly thereafter. After investigating the claim, the insurer denied payment. Nicole contends that the company should pay the claim because she answered honestly all questions that the agent asked. a On what basis can the insurance company deny payment of the claim? b What legal doctrines can Nicole use to support her argument that the claim should be paid?