For the insurer to be entitled to rescind the policy ab initio, after it had been in existence for two years during the insured's lifetime, it must identify a material misrepresentation in the application that was intended to defraud the insurer (Insurance Law § 3105 [b], § 3216 [d] [1] [B] [i]; Interested Underwriters at Lloyd's v H.D.I. III Assoc.,
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