Fraud by the Insured negates a contract of insurance and the Insurer is not liable to return any premium paid.
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Mortgage Insurance
In Life and Health Insurance, a policy covering a mortgagor from which the benefits are intended (1) to pay off the balance due on a mortgage upon the death of the insured, or (2) to meet the payments on a mortgage as they fall due in the case of his death or disability. Also called Mortgage Redemption Insurance.