In order for concealment or misrepresentation to void a policy it must be?

In order for concealment or misrepresentation to void an insurance policy, it must be material to the risk being insured, meaning it significantly affects the insurer's decision to underwrite the policy or determine the premium. Additionally, the misrepresentation or concealment must be intentional or reckless, suggesting that the policyholder knowingly provided false information or omitted critical facts. If the misrepresentation is minor or unintentional, it may not be sufficient to void the policy.