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this is barrys alma zelma on insurance today id like to speak about grounds for declaring a policy void a life insurance policy procured with the intent to benefit persons without an insurable interest in the life of the insured does violate the public policy of new jersey and such a policy is therefore void at the outset consider sun life assurance versus wells fargo a 2019 decision of the new jersey supreme court when a policy is declared void by the insurer the most common ground is that the insured has bdocHubed a condition of the policy which effectively forfeits the policy forfeiture is defined in websters third international unabridged dictionary as loss of some right privilege in consequence of a bdocHub of a condition or other act generally if the insurer accepts unearned premiums from the insured at the time of forfeiture or avoidance with the knowledge of facts indicating a forfeiture the insurer waives its right to defend on that ground if it doesnt do so there is no waiv