Contrary to popular belief, this couldn’t be further from the truth. Insurance companies actively seek ways to make sure they can pay your insurance out when the times comes. It’s not good press for the insurance company otherwise. The number one reason insurance companies do not pay out is non-disclosure on the application. If you don’t tell the truth at the start and they find information in your medical records at claim stage, this is the point when they could reject your claim, so it’s imperative you tell the truth upfront.