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In this tutorial, the concepts of waiver and estoppel in insurance contracts are discussed, particularly in the context of general insurance, such as homeowners, auto, property, and health insurance. While not heavily tested, understanding their definitions is important as they may appear in one or two questions. Waiver occurs when an insurance company issues a policy despite a question being left blank on the application, meaning they cannot hold the applicant accountable for that missing information. The application process involves questions that help determine the applicant's premium and coverage options, highlighting the significance of the responses provided.