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On or about May 22, 1982, Allender was hospitalized for circulatory problems. A subsequent investigation of his health history by Guardian revealed that he had undergone repeated, long-term treatment for hypertension and had been prescribed aldomet, propanolol and hydralazine for that condition. As a result of this investigation, Guardian denied Allender's claim for the May hospitalization and rescinded his insurance coverage.

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It can readily be established that plaintiff misrepresented his health history. When asked on the insurance application whether or not plaintiff had any past health impairments, plaintiff asserted that he had only suffered "stress" during 8/81. In fact, plaintiff had a seven year history of hypertension which required treatment by the prescribed medications aldomet, propranolol and hydralazine. If defendant can show that the misrepresentation was material, it is irrelevant whether plaintiff made the misrepresentation mistakenly or with intent; if the misrepresentation was material, defendant was entitled to rescind the insurance contract. Chapter 73, 766 of the Ill.Rev.Stat. provides that a misrepresentation shall not defeat or avoid the policy unless it was made with actual intent to deceive or materially affects the acceptance of the risk or hazard assumed by the company. The defendant contends that the misrepresentation was material. The materiality of a misrepresentation to an insurer's risk may be established by an employee or underwriter of the insurance company who testifies to his own experience or the practices of the industry. Stone v. Those Certain Underwriters at Lloyds, 81 Ill.App.3d 333, 36 Ill.Dec. 781, 401 N.E.2d 622 (Ill.App. 5th Dist.1980). To that end, defendant submitted an affidavit from its senior underwriter stating that defendant would have rejected plaintiff's application if it had been aware of the plaintiff's history of hypertension.

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