We may not pay out or may reduce the amount we pay if you don’t tell us relevant information about your health or lifestyle, or don’t tell us about a significant change in your circumstances between when you apply for your policy and when it starts. For example, you haven’t told us on your application form that you’re already being treated for a particular disease. If you completed the application form truthfully and accurately then you won't have any problems. If you would like a copy of your application form then please ask