Intentionally withholding information that should be provided to an insurer is known as

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. In the context of insurance, estoppel typically applies to situations where an insurer cannot deny coverage based on an applicant's prior representations. It does not refer to the act of withholding information.

Remission typically refers to the reduction or cancellation of a debt or penalty. In insurance terms, it does not pertain to the act of withholding information. Therefore, it is irrelevant to the concept of failing to disclose material facts to an insurer.

Twisting involves persuading a policyholder to replace an existing insurance policy with a new one, often through misrepresentation or deceit. While it is a form of unethical behavior in insurance, it specifically relates to policy replacement rather than the act of concealing information from an insurer.