Opinion ID: 3014046
Heading Depth: 2
Heading Rank: 1

Heading: 2d at 84. Based on the frequency of Dr.

Text: Justofin’s examinations and the fact that Loretta Justofin took Prednisone for at least three years to treat a symptomatic disease, I do not believe a person of ordinary intelligence could have forgotten these treatments when filling out the relevant insurance application. This omission was also material. The unrebutted affidavit of a MetLife representative establishes that Dr. Justofin’s treatment of his mother with a steroid prescription drug for arthritis would result in MetLife increasing her premium to take into account moderate rheumatoid arthritis. See New York Life Ins. Co. v. Johnson, 923 F.2d 279, 281 (3d Cir. 1991) (“A misrepresented fact is material if being disclosed to the insurer it would have caused it . . . to demand a higher premium.”). This statement is supported by MetLife’s underwriting guidelines. 14