A deliberate lie by an insured to the insurer to obtain coverage that they would NOT otherwise be entitled to is an example of

Concealment refers to the act of intentionally withholding information that is relevant to the insurance policy or claim, rather than providing false information. While it can lead to issues in obtaining coverage, it does not involve the outright fabrication of facts, which is a key component of fraud.

Estoppel is a legal principle that prevents a party from denying or asserting something contrary to what is implied by a previous action or statement of that party. It does not involve a deliberate lie or deception to gain coverage but rather focuses on preventing unfairness in legal proceedings based on previous behavior or assertions.

Misrepresentation involves providing false information, but it can be either intentional or unintentional. In the context of insurance, it may not necessarily be a deliberate act aimed at obtaining coverage fraudulently, as fraud specifically requires intent to deceive for personal gain.