Kizziah v. Golden Rule Ins. Co.

On May 29, 1984, Kizziah applied to Golden Rule Insurance Company for individual major medical health insurance, which became effective on June 4, 1984.

The completed application submitted by Kizziah to Golden Rule had asked questions relating to pre-existing conditions. On this application, Kizziah answered "no" to question 12(a), (b), (c), and (e):

"12. Has any person in # 1 [Kizziah] had any indication, diagnosis, or treatment, within the last 10 years, of:

"(a) any disorder of the lungs or respiratory system, such as hay fever or other allergies, asthma, tuberculosis or emphysema?

"(b) any…