Practice question
A fact relates only to a risk expressly excepted from the policy, is not otherwise material, and is not the subject of any inquiry. Must the party volunteer it under Section30(e)?
- No; it falls within the specified exception to unsolicited communication
- Yes; every fact about every excluded risk must always be volunteered
- Yes; the absence of inquiry is irrelevant under every part of Section30
- No; because all material covered risks are also exempt
- No; because false answers to express questions are always permitted
Legal references
- Insurance Code as amended RA10607: https://lawphil.net/statutes/repacts/ra2013/ra_10607_2013.html Sections28–30 and32–35.
- Intestate Heirs of Monera v. Manila Bankers Life, GR246446, January28 2026, Dimaampao MAIN decision: https://elibrary.judiciary.gov.ph/thebookshelf/showdocs/18/70461 MAIN ruling on short-term group life policies, discussion following Section234(b).
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