What is a consequence of leaving questions unanswered on an application?

Leaving questions unanswered on an application can lead to various implications for both the insurer and the insured. When questions remain unanswered, the insurer may not have sufficient information to fully assess the risk associated with issuing a policy. This lack of information can impact the underwriting process and the final decision regarding coverage.

In the context of the correct answer, the insurer does not have the right to deny coverage based solely on unanswered questions. This is because the application process aims to ensure that applicants are provided a fair opportunity to disclose their health status and other relevant information. If questions are left unanswered, it typically suggests that the insurer must handle the situation in a way that does not penalize the applicant without sufficient grounds. This emphasizes the importance of full disclosure but also the limitation on the insurer's ability to deny coverage based on incomplete information by the applicant.

In contrast, a completely filled out application generally helps insurers manage risk more effectively, thereby enabling them to make informed decisions about coverage and claims.