People may try to lie on an insurance application if they are afraid they won't be able to get the coverage they need. Others may lie by omission, believing that a partial truth will give them the advantage they need to get the coverage they want. Depending on the type of insurance they are applying for, the lies may become quite complex. Others are quite simple. No matter why the lies were told or why the information was omitted, it is illegal and may be considered fraud.