For the following problem below, consider the situation described, and use your

Question

For the following problem below, consider the situation described, and use your reasoning skills to answer the question at the end of each situation. Write down your conclusion (your answer to the question) and the premises that support your conclusion. State whether your reasoning is deductive or inductive.

2.1) You are a lawyer for Western National Life Insurance Co. You have been asked to give legal advice on whether Western National Life is legally obligated to pay the $500,000 death benefit on the life insurance policy of Daniel Wilson. Mr. Wilson died from a heroin overdose in July 2016. On the insurance policy application that Mr. Wilson submitted in December 2015, he stated that he had not been treated for alcoholism or drug addiction in the past 10 years. He also stated that he had not consulted or been examined by a physician in the last 5 years. However, it was discovered that on December 13, 2014, Mr. Wilson fainted from a heroin overdose and was treated by an emergency room physician for the overdose. Mr. Wilson then spent three weeks in the hospital's alcohol and drug treatment center for treatment of heroin addiction. The relevant law in this case is that if there is any misrepresentation or concealment, whether intentional or innocent, then an insurance company is entitled to rescind the life insurance policy. Based on the above information, is Western National Life legally obligated to pay the death benefit?   

Explanation / Answer

Since law is very clear on this front, assuming all the data presented to be correct, Western National Life is not at all legally obligated to pay death benefit. It can be easily deduce from the fact that misrepresentation of fact may lead to denial of policy payment and Mr wilson has misinformed regarding medical history which is critical in such cases.

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