Reference no: EM132172775

Jen purchases life insurance on herself thru State Farm. She purchases a $50,000 policy. The application form is filled out to show her age as 28. In addition, the application form asks whether she has had a long list of ailments. She quickly answers no for all of them, as she is in a hurry. She does not indicate that she was diagnosed as having a heart murmur when she was 13. The policy is issued. About three years later, Jen becomes very ill and eventually dies. After a review of the policy and medical records and before the death claim is paid: 1. Jen was actually 29 at the time of the application and issuance of the policy and 2. Jen did not properly address her history of a heart murmur. Discuss whether State Farm can or cannot raise any defenses against paying the claim.