Does an applicant for disability insurance have to disclose all material facts?

Ontario, Canada

The following excerpt is from Fernandes v. RBC Life Insurance Company, 2008 CanLII 34279 (ON SC):

It is well settled law that an applicant for disability insurance coverage has common law, statutory and contractual obligations to disclose all material facts in any application to an insurer underwriting an insurance risk. Silva v. Sizoo [1997] 50 C.C.L.I. (2nd) 293 at p.300.

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