State which one of the following statements is correct

When a claim is repudiated, the agent’s trustworthiness is affected. The insurance company will repudiate the claim basis the non disclosure in the proposal form.Insurance company scrutinizes the proposal form and other substantiating documents and facts to assess the genuineness of the claim. Any concealed information at inception may lead to a repudiation of the claim and all your money paid towards the insurance policy will go in vain.