ÿWPCl œ{Ç]ÇÊö¬õ2GzœaÜâ 1;À,lå¨+}R¡ÜuE™KXŽ ÍØjeÿüYªQú™óóƒ–'ðÊÓ±LÁÝî8‡I6è¼A ›Mfsû~”¤'¢ƒE]—ôŒ^EαJÉÝÏøûÕJODo¬Î˜M0{‰3m°òݽÜõ0;î7ö~f»—9Òuõy±¹þùÊ,Éùk«ÃL} I|0Ë=œ»è<>¿yƒ2z^HÂþÓ1ôU5Vü{oÀz¿Y¹;W°\¹P„¡CqQÈ»*ÃÁK®“ŽA×—Zo}.n`ð‘cIg2-ƒŸÖànûðŒ cbäs]CkÇ’÷¸ªO¦y³«…ÖLê°[ž—@êøÝ]9¡ùŒG|äu05²…–'§öµG4µõ…BT¶Ä¤è‚Ãß·ƒÕÙÕê ¬Ï`³Dþ°w…‰×@žŠ­(nø’À Y´•œã`þ‡›%¡ŠÛ wæ¿ÿa5ƒªG·ŽBÒå)pšFioö¨Þ0É€ŒFîA™ª†ªÄMš£v¢ãæÈœ.N=¨áXꡞgGaÅuî€8튛6·C°¬r Í~uVV[¦¡Ûq¹¥ì›Kb %\^ b 0ˆnUNöwD4H\ zkÒå· m¹ #ÁÐ U<‘ ÆÍ Æ“ ÆY ÆUNåN355E="???????????????????????baaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa 0ëiiii BTT 0¤q D3 D-H 0Kuu ASÀÆ 0¤Ù 0D} A«Á»”†+L (`£ª$¡¡Ñ€.ÑÑ8€½­»»d»»d8ÑÑ ý ÑÓ  Ó(í€"  Z6Times New Roman Regular˜L-(¬°Ÿ”~ 3|x ˜C:\PROGRA~1\COREL\WORDPE~1\TEMPLATE\CUSTOM~1\REVISE~1.WPTC:\Program Files\Corel\WordPerfect Office 2000\Template\Custom WP Templates\revised standard opinion.wptÿU‹ÿÀÀÀ˜HP LaserJet 4,ü,,,,,ü0-šBu Z‹$Arrus BT RomanLevel 1Level 2Level 3Level 4Level 5‚Level 1Level 2Level 3Level 4Level 5„Level 1Level 2Level 3Level 4Level 5…Level 1Level 2Level 3Level 4Level 5(ÖÃ9 Z‹6Times New Roman Regular  Ñ ° ÑÑ ° Ñ- ù-(|G2îª$¤¤Ý ƒ£ª!ÝÑ€.ÑÑ8€âì»»dd8ÑÑ ý ÑÓ  ÓÝ  Ýà  àòòÚ  Ú0Ú  ÚóóÔ€ô…dò»»Ô d(|390$££Ý ƒ£ª!ÝÑ€.ÑÑ8€âì»»dd8ÑÑ ý ÑÓ  ÓÝ  ÝVVVV'ÿÿdxd)!ÈÈÈÈdxdx( ±þ$’’ò òFigure€Ú  Ú1Ú  Úó ó^_X`YEþÿ<<CÿÿƒLevel 1Level 2Level 3Level 4Level 5(|390$¢¢Ý ƒ£ª!ÝÑ€.ÑÑ8€âì»»dd8ÑÑ ý ÑÓ  ÓÝ  Ý($$””ò òÚ  Ú1Ú  Úó óX[Z&OLE 2.0 Box <=8ÿÿÿÿÿÿÿÿÿÿCÿÿ HKKKKÝ ƒ£ª!ÝÑ€.ÑÑ8€âì»»ddÈ8ÑÑ ý ÑÓ  ÓÝ  ÝÔ_ÔÑ  ÑÔ€¼âì»»»ÔÑ8€õ{XXdð»»d8ÑÑ  Ñà@ü ü ìàÔ‡î¿oâìÔIN€THE€COURT€OF€APPEALS€OF€TENNESSEEˆÐ ° Ðà@íí%ìàAT€MEMPHISÔ#†¼âì»îî¿o #ԈРÜ, ÐÓ  ÓOctober€10,€2000€SessionÐ X ÐÔ‡Xõ{X»¼âìÔÌò òÔ#†¼âì»XXõ{ó#ÔBOBBIE€F.€MIXONòòóó€v.€GREAT€SOUTHERN€LIFE€INSURANCEÐ  ` ÐCOMPANY,€òòet€alóó.Ô‡Xõ{X»¼âìÔó óÐ ( x ÐÌà@@½½ìàò òAn€Appeal€from€the€Circuit€Court€for€Shelby€CountyÐ 0 € Ðà@@øøìàNo.€91271€T.D.„4€€€€€€James€E.€Swearengen,€JudgeÐ  p ÐÌÌà@@ìì*ìàßA€V) °°` d€÷E<ï` AßÐ ð@  ÐÌà@@TTìàNo.€W2000„00205„Ô_ÔCOAÔ_Ô„R3„CV€„€Filed€August€21,€Ô_Ô2001Ô_ÔÐ ï?  ÐÌßA€V) °°` dE<Î` AßÐ Ï Ðó óÌÓ  Óà  àThis€case€involves€the€voiding€of€a€life€insurance€policy.€€The€insurer€refused€to€pay€becauseÐ Î Ðthe€insured€failed€to€disclose€in€his€application€the€name€of€a€physician€who€had€treated€him€for€highÐ ¾ Ðblood€pressure.€€The€beneficiary€under€the€policy€filed€suit€against€the€insurer,€asserting€that€theÐ ®þ Ðfailure€to€disclose€was€not€a€misrepresentation,€and€that€the€policy€could€not€be€voided€because€theÐ žî Ðform€requesting€the€information€was€not€attached€to€the€policy,€as€required€by€Tennessee€CodeÐ ŽÞ ÐAnnotated€ðð€56„7„2307(4)€(2000).€€The€trial€court€granted€summary€judgment€to€the€insurer.€€OnÐ ~Î Ðappeal,€we€affirm,€finding€that€the€failure€to€disclose€was€a€misrepresentation€that€increased€the€riskÐ n¾ Ðof€loss€to€the€insurer.Ð ^® ÐÓâÓÌò òTenn.€R.€App.€P.€3€Appeal€as€of€Right;€Judgment€of€the€Circuit€Court€Affirmedó óÐ >Ž ÐÌòòÓ  ÓÔ#†¼âì»àXõ{™#ÔÔ‡Xõ{X.¼âìÔHolly€Kirby€Lillard,€J.óó,€delivered€the€opinion€of€the€court,€in€which€òòW.€Frank€Crawford,€P.J.,Ð n ÐW.S.,óó€and€òòAlan€E.€Highersóó,€J.,€joined.Ð ^ ÐÌMark€Ledbetter,€Dan€T.€Bing,€Memphis,€Tennessee,€for€the€appellant,€Bobbie€F.€Mixon.Ð î > ÐÌGregory€W.€OððNeal,€Memphis,€Tennessee,€for€the€appellee,€Great€Southern€Life€InsuranceÐ Î"! ÐCompany.Ð ¾#" ÐÓçÓÌò òÌOPINIONó óÔ#†¼âì»XXõ{ #ÔÔ‡Xõ{X»¼âìÔÐ Ž&Þ!% ÐÌòòóóÔ#†¼âì»XXõ{* #ÔÓ  ÓÔ€Xõ{X»¼âìÔÓ Óà  àThis€case€involves€the€voiding€of€a€life€insurance€policy.€€Gary€Mixon€(ð ðMixonðð)€and€AlanÐ n(¾#' ÐÔ_ÔEmmonsÔ_Ô€were€co„owners€of€M€&€E€Auto€Parts.€€On€March€7,€1994,€they€applied€for€life€insuranceÐ ^)®$( Ðcoverage€from€Great€Southern€Life€Insurance€Company€(ð ðGreat€Southernðð)€through€its€agent,€Ð  N*ž%)ý ÐÑH°ÑÑX°ÑÑ€dOÑCharles€Alexander€(ð ðAlexanderðð).€€The€application€form€provided€by€Great€Southern€included€theÐ H Ðfollowing€question:Ð 8ð Ðà8  à10.€€Has€the€Proposed€Insured:€.€.€.ÐÐÐ Ð  Ðà8  à(C)€within€the€past€10€years€been€diagnosed€as€having,€or€been€treated€for€high€bloodÐ ø° Ðpressure,€heart€disease€or€disorder,€stroke,€cancer€or€blood€disorder,€diabetes,€kidney,Ð è  Ðlung€or€liver€disease,€mental€or€nervous€system€disorder€or€Acquired€ImmuneÐ Ø  ÐDeficiency€Syndrome€(AIDS)?ÐÈ €Ð Ð  Ðà8  àð&ð€Yes€(Give€details)€€ð&ð€NoШ ` Ð Ð  ÐAlexander€filled€out€Mixonððs€application€based€on€Mixonððs€verbal€responses€to€the€questions€listed.€Ð ˆ@  ÐOn€the€question€above,€Alexander€circled€ð ðhigh€blood€pressureðð€and€checked€the€box€marked,€ð ðYes.ðð€Ð x0  ÐNear€the€bottom€of€the€page,€Alexander€made€the€following€notation:Ð h  Ðà8  àProp.€Ins.€has€some€high€blood€pressure€„€controlled€with€medication.€€1€pill€per€day.Ð H Є€No€other€health€problems.€€Dr.€Charles€Tucker,€Ash€Flat€Clinic,€Ash€Flat,€AR.€Ð8ðÐ Ð  ÐThe€second€page€of€the€application€stated€the€following:Ð Ð Ðà8  àI/we€represent€to€Great€Southern€Life€Insurance€Co.€that€the€statements€made€on€thisÐ ø° Ðapplication€are€true,€complete€and€correctly€recorded€to€the€best€of€my/our€knowledgeÐ è  Ðand€belief€and€I/we€agree€that€the€Company€can€rely€on€these€statements.€€I/we€agreeÐ Ø Ðthat€this€application€(a)€shall€consist€of€Part€I€and€if€required,€Part€II€and/or€anyРȀ Ðmedical€examination€form€and€any€supplemental€application,€and€(b)€will€be€the€basisÐ ¸p Ðfor€any€policy€issued€on€this€application.Ш`Ð Ð  Ðà8  à.€.€.[T]he€Company€HAS€NO€LIABILITY€UNLESS€AND€UNTIL€THEÐ ˆ@ ÐFOLLOWING€CONDITIONS€A,€B,€AND€C€ARE€MET€EXACTLY.Ðx0Ð Ð  Ðà8  àà ` àA.€€The€policy€must€be€delivered€to€and€accepted€by€the€owner€while€allÐ X  Ðpersons€proposed€for€insurance€are€alive.ÐH! Ð Ð  Ðà8  àà ` àB.€€The€first€modal€premium€must€be€paid€while€all€persons€proposed€forÐ (#à" Ðinsurance€are€alive.Ð$Ð #Ð Ð  Ðà8  àà ` àC.€€At€the€time€the€policy€is€delivered€and€accepted,€the€answers€in€each€partÐ ø%°"% Ðof€the€application€must€still€be€true€and€complete€with€no€material€changes.Ðè& #&Ð Ð  Ðà8  àIf€all€three€of€these€conditions€are€met,€the€policy€will€be€effective€from€its€PolicyÐ È(€%( ÐDate.и)p&)Ð Ð  ÐBelow€this€passage€on€the€application,€Mixon€signed€his€name.Ð ˜+P(+ ÐÐ x-0*- ÐÑdOÑâ âѰXÑѰHÑâ âÑ  Ñà  àSubsequently,€as€part€of€the€application€process,€Great€Southern€required€Mixon€to€undergoÐ ° Ða€physical€examination.€€The€examination€was€conducted€on€March€11,€1994,€by€Audrey€Tharpe,Ð  ð Ða€nurse€with€PortaMedic,€a€company€that€conducts€physical€examinations€and€questions€applicantsÐ à Ðfor€insurance€policies.€€As€part€of€the€examination,€Tharpe€asked€Mixon€four€questions€listed€on€aÐ €Ð Ðð ðShort€Form€Examinationðð€provided€by€Great€Southern.€€The€first€question€asked:Ð pÀ Ðà8  àDuring€the€past€5€years,€have€you€consulted€any€physician€or€practitioner€for€anyÐ P   Ðreason,€including€routine€examination€or€check€up?€€If€yes,€state€approximate€date,Ð @  Ðpurpose,€illness,€injury€or€condition,€and€give€full€name€and€complete€address€ofÐ 0 € Ðphysician€and/or€hospital.Ð p Ð Ð  ÐIn€response€to€this€question,€Tharpe€checked€the€box€marked€ð ðYesðð€and€made€the€following€notation:Ð P  Ðà8  àDr.€Tucker€€Ash€Flat,€Ark.€€Ash€Flat€Clinic.€€1991€Treated€for€High€Blood€PressureÐ à0  ÐNorvasc€Tabs€2X€dailyÐÐ Ð Ð  ÐMixon€signed€this€page,€below€a€declaration€that€the€information€on€the€form€was€true€and€correctÐ ° Ðto€the€best€of€his€knowledge€and€belief.€€Tharpe€testified€by€affidavit€that€Mixon€did€not€identify€anyÐ  ð Ðother€physicians€who€had€treated€him€in€the€previous€five€years.€Ð à Ðà  àOn€March€15,€1994,€Great€Southern€issued€a€life€insurance€policy€to€Mixon€in€the€amountÐ pÀ Ðof€$176,586.€€The€primary€beneficiary€under€the€policy€was€Mixonððs€wife,€Bobbie€F.€Mixon.€€WhenÐ `° ÐGreat€Southern€delivered€the€policy€to€Mixon,€it€did€not€attach€the€short€form€examination€completedÐ P  Ðby€Tharpe.Ð @ Ðà  àOn€August€28,€1994,€Mixon€died€as€a€result€of€hemorrhagic€pancreatitis.€€In€September€1994,Ð  p ÐMrs.€Mixon€filed€a€claim€for€benefits€under€the€Great€Southern€life€insurance€policy.€€On€the€formÐ ` Ðentitled,€ð ðClaimantsðð€Statement,ðð€Mrs.€Mixon€answered€the€following€question:Ð P Ðà8  àNames€and€addresses€of€all€physicians€or€practitioners€who€attended€the€deceasedÐ à0 Ðduring€the€past€five€(5)€years.€ÐÐ Ð Ð  ÐIn€response,€Mrs.€Mixon€listed€ð ðS.€Golden€„€First€Care€Clinic,€JB,€AR,ðð€as€well€as€Dr.€CharlesÐ °"  ÐTucker,€the€physician€Mixon€listed€on€the€short€form€examination.€€Mrs.€Mixon€noted€that€Dr.Ð  #ð! ÐGolden€had€treated€her€husband€for€high€blood€pressure€and€cholesterol€on€April€9,€1994.Ð $à" Ðà  àAfter€receiving€this€information,€Great€Southern€contacted€Dr.€Stephen€Golden€with€the€FirstÐ p&À!$ ÐCare€Clinic€in€Jonesboro,€Arkansas,€and€requested€Gary€Mixonððs€medical€records.€€Dr.€GoldenððsÐ `'°"% Ðrecords€indicated€that€he€had€treated€Gary€Mixon€for€high€blood€pressure€and€cholesterol€periodicallyÐ P( #& Ðfrom€1989€to€1993.€€On€February€12,€1993,€Dr.€Golden€tested€his€blood€cholesterol€level,€and€foundÐ @)$' Ðit€to€be€at€an€extremely€high€level.€€Dr.€Goldenððs€records€indicated€that€Dr.€Golden€prescribed€manyÐ 0*€%( Ðâ âdifferent€medications€to€lower€Mixonððs€blood€cholesterol€level€to€a€more€reasonable€number,€andÐ  +p&) Ðto€control€his€high€blood€pressure.€€Dr.€Goldenððs€records€also€showed€that€he€treated€Mixon€severalÐ ° Ðtimes€from€February€through€July€1993.€€Ð  ð Ðâ âà  àAfter€reviewing€Dr.€Goldenððs€records,€Great€Southern€denied€Mrs.€Mixonððs€claim€forÐ €Ð Ðbenefits,€taking€the€position€that€her€husband€had€misrepresented€material€facts€on€his€applicationÐ pÀ Ðand€the€short€form€examination,€thereby€increasing€the€risk€of€loss€on€Great€Southernððs€life€insuranceÐ ` ° Ðpolicy.€€On€November€12,€1997,€Mrs.€Mixon€filed€a€lawsuit€in€Circuit€Court,€seeking€judgment€forÐ P   Ðthe€full€policy€amount,€plus€a€statutory€penalty€of€25%€of€the€policy€amount€for€bad€faith€denial€ofÐ @  Ðbenefits.€€ò òòòSee€ó óóóTenn.€Code€Ann.€ðð€56„7„105€(2000).€€Following€discovery,€Great€Southern€moved€forÐ 0 € Ðsummary€judgment,€arguing€it€was€entitled€to€judgment€based€on€Mixonððs€failure€to€disclose€on€theÐ  p  Ðshort€form€examination€his€treatment€by€Dr.€Golden.€€The€trial€court€granted€summary€judgment€toÐ `  ÐGreat€Southern.€€Mrs.€Mixon€now€appeals.Ð P  Ðà  àOn€appeal,€Mrs.€Mixon€raises€two€issues.€€She€argues€first€that€her€husband€did€notÐ à0  Ðmisrepresent€his€medical€history€by€failing€to€disclose€his€treatment€by€Dr.€Golden,€because€theÐ Ð  Ðquestion€on€the€short€form€examination€asked€for€ð ðanyðð€physician,€not€ð ðallðð€physicians.€€Mrs.€MixonÐ À Ðasserts€that€she€included€Dr.€Goldenððs€name€and€address€on€the€claimantððs€statement€because€it€askedÐ ° Ðfor€ð ðallðð€physicians.€€At€most,€Mrs.€Mixon€argues,€the€question€on€the€short€form€examination€isÐ  ð Ðambiguous€and€should€be€construed€against€the€insurer.€€Second,€Mrs.€Mixon€argues€that€anyÐ à Ðmisrepresentation€on€the€short€form€examination€cannot€void€the€life€insurance€policy€because€theÐ €Ð Ðshort€form€was€not€attached€to€the€policy€when€issued,€as€required€by€Tennessee€Code€AnnotatedÐ pÀ Ððð€56„7„2307(4)€(2000).Ð `° Ðà  àIn€this€case,€the€facts€are€undisputed.€€Ô‡ Xõ{XXXõ{ÔSince€only€questions€of€law€are€involved,€€weòòò òó óóóÔ#†Xõ{XX Xõ{S0#ÔÔ‡ Xõ{XXXõ{Ô€reviewÐ @ Ðthe€trial€courtððs€grant€of€summary€judgment€òòde€novoóó,€with€no€presumption€of€correctness.€€òòò òSeeó óóóÐ 0€ Ðò òòòWarren€v.€Estate€of€Kirkó óóó,€954€S.W.2d€722,€723€(Tenn.€1997).Ð  p Ðà  àOn€appeal,€Mrs.€Mixon€argues€first€that€Gary€Mixonððs€failure€to€disclose€the€treatment€byÐ P ÐDr.€Golden€was€not€a€material€misrepresentation€of€his€medical€history€that€increased€GreatÐ ð@ ÐSouthernððs€risk€of€loss€on€the€policy.€€Tennessee€Code€Annotated€ðð€56„7„103€states:€ò òÐ à0 Ðó óÔ#†Xõ{XX Xõ{Î0#ÔÔ‡Xét XXXõ{Ôà8  àNo€written€or€oral€misrepresentation€or€warranty€therein€made€in€the€negotiations€ofÐ À! Ða€contract€or€policy€of€insurance,€or€in€the€application€therefor,€by€the€insured€or€inÐ ¬"ü  Ðthe€insuredððs€behalf,€shall€be€deemed€material€or€defeat€or€void€the€policy€or€preventÐ ˜#è! Ðits€attaching,€unless€such€misrepresentation€or€warranty€is€made€with€actual€intent€toÐ „$Ô" Ðdeceive,€or€unless€the€matter€represented€increases€the€risk€of€loss.Ðp%À #Ð Ð  ÐÔ#†Xõ{X XXétq3#ÔÔ‡ Xõ{XXXõ{Ôò òó óTennessee€Code€Annotated€ðð€56„7„103Ô#†Xõ{XX Xõ{Ñ5#ÔÔ‡ Xõ{XXXõ{Ô€(2000).€€Thus,€to€void€a€claim€under€ðð€56„7„103,€the€insurerÐ H'˜"% Ðmust€first€show€that€the€answer€provided€by€the€insured€was€a€misrepresentation,€i.e.,€that€it€wasÐ 8(ˆ#& Ðfalse.Ô#†Xõ{XX Xõ{?6#ÔÔ‡ Xõ{XXXõ{Ô€€ò òòòSee€ó óóóTenn.€Code€Ann.€ðð€56„7„103;òòò ò€Spellmeyer€v.€Tennessee€Farmers€Mut.€Ins.€Co.ó óóó,€879Ð ()x$' ÐS.W.2d€843,€845„46€(Tenn.€Ct.€App.€1993)€(quoting€ò òòòWomack€v.€Blue€Cross€&€Blue€Shield€of€Ð  *h%( ÐTennesseeó óóó,€593€S.W.2d€294,€295€(Tenn.€1980))Ô#†Xõ{XX Xõ{S7#ÔÔ‡ Xõ{XXXõ{Ô.Ô#†Xõ{XX Xõ{¾8#ÔÔ‡ Xõ{XXXõ{Ô€€Whether€the€answer€provided€in€the€applicationÐ ° Ðis€false€is€a€question€of€fact,€but€it€may€be€determined€by€the€court€if€reasonable€minds€can€only€reachÐ  ð Ðone€conclusion€as€to€whether€the€answer€is€true€or€false.€€ò òòòSee€Spellmeyeró óóó,€879€S.W.2d€at€846Ð à Ð(citation€omitted).Ô#†Xõ{XX Xõ{9#ÔÔ‡ Xõ{XXXõ{Ô€€An€insuredððs€misrepresentation€to€the€insurer€can€void€the€policy€only€if€(1)€theÐ €Ð Ðinsured€made€the€misrepresentation€with€actual€intent€to€deceive,€or€(2)€the€misrepresentationÐ pÀ Ðincreases€the€risk€of€loss€to€the€insurer€on€the€policy.€€ò òòòSee€ó óóóTenn.€Code€Ann.€ðð€56„7„103;€ò òòòSpellmeyeró óóó,Ð ` ° Ð879€S.W.2d€at€846.€€Whether€the€misrepresentation€increases€the€risk€of€loss€to€the€insurer€is€aÐ P   Ðquestion€of€law.€€ò òòòSee€Spellmeyeró óóó,€879€S.W.2d€at€846€(citation€omitted).Ð @  Ðà  àTherefore,€we€must€first€determine€Ô#†Xõ{XX Xõ{•:#Ôwhether€reasonable€minds€could€conclude€only€that€theÐ  p  Ðanswer€provided€by€Mixon€on€the€short€form€examination€was€a€misrepresentation.€€It€is€undisputedÐ `  Ðthat€the€short€form€examination€asked€Mixon€whether€he€had€consulted€ð ðanyðð€physician€for€ð ðanyððÐ P  Ðreason€in€the€past€five€years.€€If€so,€he€was€then€asked€to€list€the€physicianððs€name€and€address.€Ð ð@  ÐMixon€listed€only€one€physician,€Dr.€Tucker,€knowing€that€he€had€also€consulted€Dr.€Golden€onÐ à0  Ðnumerous€occasions€in€1993€regarding€his€cholesterol€and€high€blood€pressure.€€Mrs.€Mixon€arguesÐ Ð  Ðthat,€regardless€of€how€many€physicians€had€treated€Mixon,€it€was€not€a€misrepresentation€to€listÐ À Ðonly€one€physician€because€the€form€asked€for€ð ðanyðð€physician€rather€than€ð ðallðð€physicians.€€ThisÐ ° Ðreasoning€can€only€be€characterized€as€sophistry€and€must€be€rejected.€€We€conclude€that€reasonableÐ  ð Ðminds€can€conclude€only€that€Mixonððs€failure€to€list€Dr.€Golden€on€the€short€form€examination€wasÐ à Ða€misrepresentation.€€à ¸ àNext,€must€consider€whether€this€misrepresentation€increased€GreatÐ €Ð ÐSouthernððs€risk€of€loss€on€the€life€insurance€policy.€€As€noted€above,€this€is€a€question€of€law.€€ò òòòId.ó óóó€Ð pÀ ÐA€misrepresentation€increases€the€risk€of€loss€ð ðwhen€it€is€of€such€importance€that€it€ððnaturally€andÐ `° Ðreasonably€influences€the€judgment€of€the€insuror€[sic]€in€making€the€contract.ðð€ðð€€ò òòò€Sine€v.€TennesseeÐ P  ÐFarmers€Mut.€Ins.€Co.ó óóó,€861€S.W.2d€838,€839€(Tenn.€Ct.€App.€1993)€(quoting€ò òòòSeaton€v.€NationalÐ @ ÐGrange€Mut.€Ins.€Co.ó óóó,€732€S.W.2d€288,€288„89€(Tenn.€Ct.€App.€1987)).€€ò òòòSee€also€State€Farm€Gen.Ð 0€ ÐIns.€Co.€v.€Woodó óóó,€1€S.W.3d€658,€661„62€(Tenn.€Ct.€App.€1999).€€It€is€not€necessary€to€find€that€theÐ  p Ðpolicy€would€not€have€been€issued€had€the€truth€been€disclosed,€but€ð ð[i]t€is€sufficient€that€the€insurerÐ ` Ðwas€denied€information€which€it€sought€in€good€faith€and€which€was€deemed€necessary€to€an€honestÐ P Ðappraisal€of€insurability.ðð€€ò òòòWoodó óóó,€1€S.W.3d€at€662€(quoting€ò òòòLoyd€v.€Farmers€Mut.€Fire€Ins.€Co.ó óóó,€838Ð ð@ ÐS.W.2d€542,€545€(Tenn.€Ct.€App.€1992)).€€In€this€case,€it€is€undisputed€that€Mixon€received€extensiveÐ à0 Ðtreatment€from€Dr.€Golden€from€1989€to€1993€for€high€blood€pressure€and€abnormally€high€bloodÐ Ð  Ðcholesterol€levels.€€This€information€is€clearly€ð ðnecessary€to€an€honest€appraisal€of€insurability.ðð€Ð À! ÐUnder€these€circumstances,€we€must€conclude€that€Mixonððs€failure€to€disclose€to€Great€Southern€hisÐ °"  Ðtreatment€by€Dr.€Golden€constituted€a€misrepresentation€that€increased€Great€Southernððs€risk€of€lossÐ  #ð! Ðon€the€policy.Ð $à" Ðà  àMrs.€Mixon€also€argues€on€appeal€that,€even€if€Mixonððs€failure€to€disclose€the€treatment€byÐ p&À!$ ÐDr.€Golden€was€a€misrepresentation€that€increased€the€risk€of€loss,€it€cannot€be€the€basis€for€voidingÐ `'°"% Ðthe€life€insurance€policy€because€the€short€form€examination,€from€which€Dr.€Goldenððs€name€was€Ð  P( #& Ðomitted,€was€not€attached€to€the€life€insurance€policy€when€it€was€issued.€€Tennessee€CodeÐ ° ÐAnnotated€ðð€56„7„2307€states:Ð  ð Ðà8  àNo€policy€of€life€insurance€shall€be€issued€in€this€state€or€be€issued€by€a€life€insuranceÐ €Ð Ðcompany€organized€under€the€laws€of€the€state€unless€the€same€shall€contain€theÐ pÀ Ðfollowing€provisions:€Ð` °Ð Ð  Ðà8  à*€*€*Ð@ Ð Ð  Ðà8  à(4)€òòStatements€Are€Representations€and€Not€Warranties€in€Absence€ofÐ  p  ÐFraud;€Written€Application€Made€Part€of€Policy.€€óóA€provision,€except€inÐ `  Ðindustrial€policies,€that€all€statements€made€be€the€insured€shall,€in€the€absence€ofÐ P  Ðfraud,€be€deemed€representations€and€not€warranties,€and€that€no€such€statement€shallÐ ð@  Ðvoid€the€policy€unless€it€is€contained€in€a€written€application,€and€a€copy€of€suchÐ à0  Ðapplication€is€endorsed€upon€or€attached€to€the€policy€when€issued;ÐÐ Ð Ð  ÐTenn.€Code€Ann.€ðð€56„7„2307€(2000).€€Thus,€under€section€56„7„2307(4),€no€statement€by€theÐ ° Ðinsured€can€void€the€policy€unless€it€is€contained€in€a€written€application€and€the€entire€applicationÐ  ð Ðis€ð ðendorsed€upon€or€attached€to€the€policy€when€issued.ðð€€ò òòòId.ó óóó€€ò òòòSee€also€Adams€v.€Manhattan€LifeÐ à ÐIns.€Co.ó óóó,€141€S.W.2d€930,€932€(Tenn.€Ct.€App.€1939).€€As€stated€by€the€Supreme€Court€ofÐ €Ð ÐWashington:Ð pÀ Ðà8  à[Ô_ÔT]heÔ_Ô€insured€has€a€duty€to€read€the€insurance€application€when€he€receives€it€withÐ P  Ðhis€policy€and€to€call€any€inaccuracies€to€the€attention€of€the€insurer.€€In€such€aÐ @ Ðsituation,€the€insured€is€entitled€to€have€the€whole€application€before€him,€if€any€partÐ 0€ Ðis€to€be€used€against€him€as€a€defense.Ð pÐ Ð  Ðò òòòÔ_ÔLundmarkÔ_Ô€v.€Mutual€of€Omaha€Ins.€Co.ó óóó,€498€P.2d€867,€869€(Wash.€1972)€(citation€omitted).€€InÐ P Ðthe€case€at€bar,€it€is€undisputed€that€Great€Southern€did€not€attach€the€short€form€examinationÐ ð@ Ðcompleted€by€Tharpe€and€signed€by€Mr.€Mixon.€Ð à0 Ðà  àHowever,€in€ò òòòAdamsó óóó,€this€Court€held€that:Ð À! Ðà8  àAlthough€the€application€is€not€admissible€in€evidence€as€a€part€of€the€contract€if€aÐ  #ð! Ðcopy€of€it€has€not€been€attached€to€the€policy€in€accordance€with€the€statute,€it€mayÐ $à" Ðbe€admitted€to€prove€that€the€policy€was€procured€by€fraud€and€misrepresentation.Ѐ%Ð #Ð Ð  Ðò òòòAdamsó óóó,€141€S.W.2d€at€932.€€The€ò òòòAdamsó óóó€case€involved€facts€similar€to€those€in€the€case€at€bar.€€InÐ `'°"% Ðò òòòAdamsó óóó,€in€Part€2€of€an€application€for€life€insurance,€the€insured€misrepresented€several€factsÐ P( #& Ðregarding€diseases€he€had€contracted€and€doctors€who€had€treated€him.€€ò òòòSee€id.ó óóó€at€931.€€In€addition,Ð @)$' Ðthe€examining€physician€had€made€notes€of€the€insuredððs€responses€to€questions€on€ð ðPart€2ðð€of€theÐ 0*€%( Ðapplication.€€The€application€referred€to€the€physicianððs€notes,€but€the€notes€were€not€made€part€ofÐ  +p&) Ðthe€application.€The€policy€issued€to€the€insured€did€not€contain€a€copy€of€the€entire€application,€andÐ ,`'* Ðdid€not€include€the€physicianððs€notes€regarding€the€insuredððs€response€to€the€questions€at€issue.€€ò òòòSeeÐ ° Ðid.ó óóó€€This€Court€concluded€that€when€the€entire€application€is€not€attached€to€the€policy,€theÐ  ð Ðapplication€is€admissible,€not€as€a€part€of€the€contract,€nor€to€show€that€the€policy€was€void€underÐ à Ðcontract,€but€nevertheless€admissible€to€show€that€the€policy€was€fraudulently€procured.€€ò òòòSee€id.ó óóó€atÐ €Ð Ð933„934€(quoting€ò òòòCouch€v.€Life€&€Accident€Ins.€Co.ó óóó,€34€Ga.€App.€543,€130€S.E.€596€(Ga.€Ct.€App.Ð pÀ Ð1925)).€€ò òòòSee€alsoó óóó€ò òòòLife€&€Cas.€Ins.€Co.€of€Tennessee€v.€Ayersó óóó,€281€S.W.2d€75,€78€(Tenn.€Ct.€App.Ð ` ° Ð1954).€€Therefore,€the€insurance€company€cannot€rely€on€the€misrepresentation€to€void€the€policyÐ P   Ðin€a€breach€of€contract€action€if€it€was€not€attached€to€the€policy.€€However,€the€insurance€companyÐ @  Ðcan€use€the€misrepresentation€to€show€that€the€insured€fraudulently€procured€the€insurance€policy.€Ð 0 € ÐThis€reflects€the€distinction€ð ðbetween€a€suit€to€avoid€an€obligation€under€contract€due€to€a€breach€andÐ  p  Ðan€action€seeking€to€void€a€contract€on€the€ground€that€the€contract€was€fraudulently€procured.ðð€Ð `  Ðò òòòGilbertó óóó,€595€S.W.2d€at€86€(citation€omitted).Ð P  Ðà  àIn€this€case,€the€trial€courtððs€order€granting€summary€judgment€states€that€ð ðthere€is€no€genuineÐ à0  Ðissue€as€to€any€material€fact€on€the€Plaintiffððs€claims€against€[Great€Southern],€in€that€Gary€MixonÐ Ð  Ðfailed€to€disclose€his€prior€treatment€.€.€.€in€the€Medical€Examination€form€dated€March€11,€1994.ðð€Ð À Ðò òòòó óóóÔ‡Xét XXXõ{ÔIn€the€application,€Mixon€was€asked€whether€he€had€been€treated€for€high€blood€pressure€and,€if€so,Ð ° Ðwas€asked€to€ð ðgive€details.ðð€€Mixon€disclosed€his€high€blood€pressure€but€noted€only€his€treatmentÐ œì Ðby€Dr.€Tucker€and€did€not€mention€the€extensive€treatment€for€high€cholesterol€and€high€bloodÐ ˆØ Ðpressure€by€Dr.€Golden.€€As€part€of€the€application€process,€Mixon€was€required€to€undergo€aÐ tÄ Ðmedical€examination,€and€in€the€course€of€doing€so,€he€responded€to€questions€on€the€short€formÐ `° Ðexamination.€€As€noted€above,€his€responses€on€this€form€constituted€a€misrepresentation€thatÐ Lœ Ðincreased€Great€Southernððs€risk€of€loss€under€Tennessee€Code€Annotated€ðð€56„3„107.€€Under€all€ofÐ 8ˆ Ðthese€circumstances,€we€must€conclude€the€trial€courtððs€grant€of€summary€judgment€to€GreatÐ $t ÐSouthern€is€not€error,€on€the€basis€that€Mixon€fraudulently€procured€the€insurance€policy€by€failingÐ ` Ðto€disclose€his€treatment€by€Dr.€Golden€on€either€the€application€or€the€short€form€examinationÐ üL Ðincorporated€into€the€application.Ô#†Xõ{X XXét+`#ÔÐ è8 Ðà  àThe€decision€of€the€trial€court€is€affirmed.€€Costs€on€appeal€are€taxed€to€the€Appellant,€BobbieÐ À ÐF.€Mixon,€and€her€surety,€for€which€execution€may€issue€if€necessary.€€€€€€€Ð ° ÐÌÌÓ ÓÌà  àà ` àà ¸ àà  àà h àà À àà  à___________________________________€Ð @&!$ Ðà  àà ` àà ¸ àà  àà h àà À àà  àHOLLY€KIRBY€LILLARD,€JUDGE