Practice question
Explain concealment and materiality without making fraud or later causation universal requirements.
Legal references
- Insurance Code as amended by RA10607, Sections26–48 and95–100: https://lawphil.net/statutes/repacts/ra2013/ra_10607_2013.html
- Heirs of Monera v. Manila Bankers Life, GR246446, January28 2026, main decision: https://elibrary.judiciary.gov.ph/thebookshelf/showdocs/1/70461
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