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4066 Questions in an application for life insurance asking whether the applicant had smoked cigarettes in the past 36 months reasonably could be interpreted to ask whether the applicant was a habitual smoker, and a negative answer by a person who had smoked a few cigarettes in that period would not be a concealment of a material fact; when an insurance sales person became an agent of the insurer, his/her knowledge was imputed to the insurer, so facts known to the sales person at that time were not concealed from the insurer.CitationO'RIORDAN v FEDERAL KEMPER LIFE (Smoker) 36 C4 281 [See: InsC 332, 334; Old Line Life v Superior Court 229 CA3 1600]
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