Hi, I have a life and TPD insurance policy that was taken out in 2006 approx. 400k. In 2010, I went for an MRI and there was an incidental finding, an anomaly on the brain stem. Incidental findings suck in every possible way because the stress of thinking you have a brain tumour is seriously debilitating at first. I had MRIs to monitor it every 6 weeks, then it was pushed out to 3 monthly and then 6 monthly. Fortunately for me, this is a stable non-growing thing and as such there is no diagnosis, no symptoms related to it at all. I still go for the 6 monthly MRI. In 2013, I had the opportunity to increase my cover by 25% with no medical evidence. I saw this as a great opportunity to take more cover. In my position, please understand that I would never have knowingly, intentionally done anything to the detriment of the policy. My daughter is now getting a policy and asked me about mine. She brought to my attention that I must have signed a duty of disclosure and that I should have told them about the MRI monitoring. As far as I could see then and still do see, there was and is no pre-existing "condition". Having read the act, it seems that after 3 years, the life insurance company cannot void the policy but may revert it back to the original amounts before the upgrade - I could live with this anyway. If fraud is proved they can void anytime. The 3 years are up in June this year. Question Have I been fraudulent? Does an undiagnosed, asymptomatic, untreated thing need to be mentioned? If I tell the insurer about it now, do you think all would end badly or am I better off waiting til 3yr period is up and tell them or just leaving it? Any advice would be greatly appreciated as I would rather sort this out now than my family be stuck with a problem later down the track.