An intentional misrepresentation on an application for insurance can invalidate an insurance policy if it is

Subjective misrepresentation refers to personal opinions or statements that may not be factually verifiable, such as an individual's belief about their health. While these can sometimes lead to misunderstandings, they are generally not considered material unless they significantly impact the insurer's decision-making process.

Objective misrepresentation involves false statements that can be proven or disproven through facts and evidence. However, this term does not emphasize the impact of the misrepresentation on the insurance contract. For it to invalidate a policy, the misrepresentation must be material, meaning it affects the terms or risk assessment of the policy.

Absolute misrepresentation is not a recognized legal term in the context of insurance applications. It suggests a total falsehood without considering whether the misrepresentation is material or relevant to the insurer's decision. Therefore, it does not accurately reflect the criteria needed for potentially invalidating a policy.