For an Insurance Applicant's Misrepresentation to Have Legal Consequences

Multiple Choice

For an insurance applicant's misrepresentation to have legal consequences:

A) the insurer need not have relied on it as an inducement to enter the contract.
B) the misrepresentation must be material.
C) the applicant must have known it was false at the time the applicant made the statement.
D) All of the above.