Tutor profile: Mel S.
X applied for life insurance with XYZ Company. The application contained the question: "Have you ever had any ailment or disease of the stomach or intestines, liver, kidney or genitourinary organ?" X, answered "No." The application was approved, premium was paid and six months later, X died from stomach cancer. The post-mortem examination of X shows that she had cancer at the time she applied for a policy. Can the beneficiary of X collect on the policy? Explain
No, the beneficiary of X cannot collect on the policy. Under the Insurance Code, concealment whether intentional or unintentional entitles the injured party to rescind a contract of insurance. Here, the circumstance that X had no knowledge that she was suffering from cancer at the time she applied for a policy, will not negate XYZ's defense of concealment though the same may have been unintentional. Hence, the beneficiary of X cannot collect on the policy on the ground of concealment.
Subject: Political Science
Briefly define and discuss the doctrine of "mutually assured destruction".
Mutually assured destruction or MAD refers to a military doctrine and national security policy founded upon deterrence, wherein it espouses the use of nuclear weapons by two or more opposing sides that would consequently result in both combatants' mutual, total and assured destruction. This terminology is often used to refer to nuclear deterrence that gained prominence during the Cold War which prevented full-scale hostility between the United States and the Soviet Union and resulted to proxy wars and arms race to reach nuclear parity between the aforementioned states.
Subject: World History
What is the Spanish Reconquista? What are its effects to the existing Muslim and Jewish population? State your answers briefly and concisely.
Reconquista refers to a period in Spanish history from 711-1492 where the Christian Kingdoms of Spain grew, expanded, fought and eventually pushed out the Muslim State of Al-Andalus from Spain. This event marked the end of Muslim rule in the Iberian peninsula, which ushered in the period of Spanish and Portuguese colonial empires. The Christian Spanish Kingdoms were able to liberate Spain from Muslim/Moorish rule and were led by Ferdinand of Aragon and Isabelle of Castille, thus uniting Spain. Consequently, the new Christian hierarchy demanded heavy taxes from non-Christians, particularly Muslims and Jews. Royal decrees were likewise issued ordering the forcible expulsion of these groups, which led to massive expulsion and mass conversion to Catholicism. New converts were later on subjected to discriminatory practices such as the Inquisition where persons found or suspected to secretly practice Islam or Judaism were executed, imprisoned or exiled.
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