Why is Rachel's situation of forgetting to answer a question on her Insurance Proposal Form not considered non-disclosure?

Rachel's situation of forgetting to answer a question on her Insurance Proposal Form is not considered non-disclosure primarily because the insurer has waived its right to the information. This indicates that the insurer is willing to overlook the omission, which reflects their acceptance of the proposal despite not having a complete response to every question. In the context of insurance, a waiver can occur when an insurer does not insist on full disclosure of all details, thus relieving the applicant of potential consequences for not fully completing the form.

In contrast, the other choices do not apply to Rachel's situation effectively. If Rachel intended to provide the information, it would imply there was no intention to hide the truth, but it does not negate the fact that an omission occurred. Furthermore, suggesting that Rachel could not be expected to know the answers may imply a lack of responsibility on her part but does not address the nature of the omission as non-disclosure. Finally, indicating that the non-disclosure was not important could lead to interpretations regarding the significance of the missing information, but the crux of the matter lies in the insurer's waiver, which takes priority in determining the classification of the omitted question.