The failure of either party to an insurance contract, to reveal to the other, any material fact or circumstance which is known or should be known to either. The offended party may avoid the contract.
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Debit
(1) The amount of premium charged or debited to an agent, to be collected; (2) The book of business represented by such premiums; (3) The territory where most of the insureds are located; (4) The total number of individual or home service insureds assigned to a given agent for collection of weekly or monthly premiums and for servicing, commonly referred to as “people in my debit”.