When completing a life insurance application, if you unintentionally leave out information about plastic surgery to your face five years earlier, then die a couple of years later from an auto accident, the insurance company: must pay, because once an application has been accepted, an insurer may not use a misrepresentation on the application to avoid liability. must pay, because the misrepresentation was not material and did not increase the company's risk in insuring your life. does not have to pay, because your application contained a material misrepresentation of fact. does not have to pay, because an insurer can always use any misrepresentation, even innocent, on an application to avoid paying.