The whole point of taking out a protection policy is to protect yourself and your family, why would you want to pay premiums for a policy which may never payout?
Insurers take any non-disclosure of requested information very seriously and have the right to investigate further if they feel that one of their applicants have not told the truth on their application. Some insurers can look at any point request medical information from your GP, and if the dates or condition(s) have not been disclosed, they can cancel the application so you would have paid your premiums for nothing.
It is very important, to make a full disclosure with regards to your health and lifestyle to ensure that in the event of a claim, the policy will pay out the benefit (sum assured).
