which of the following is permissiable reason for an insurance company to contest payment of a claim based on statements in the application?
a) If the insured fails to disclose pre-existing medical conditions.

b) If the insured submits the claim after the policy has expired.

c) If the insured makes changes to their lifestyle after the policy is issued.

d) If the insured is involved in an accident that occurred during the policy waiting period.