Withholding of facts that should be included in an application for insurance is called

Misrepresentation involves providing false information or making misleading statements in an insurance application. While it can also lead to issues in the insurance process, it differs from concealment, which specifically refers to failing to disclose the truth rather than stating something incorrect.

A waiver is the voluntary relinquishment of a known right or privilege, often seen in legal contexts. In insurance, it does not pertain to withholding information but rather to an insurer's decision to forgo certain rights or claims against a policyholder. Therefore, it does not describe the act of failing to disclose facts.

A warranty is a promise or guarantee made by the policyholder regarding the truth of certain statements or the condition of the insured item. Unlike concealment, which involves nondisclosure, a warranty requires explicit declarations about the facts. Failure to meet a warranty can lead to policy voidance, but it is not synonymous with withholding information.