What Is the Legal Test for Determining Whether an Insured

What is the legal test for determining whether an insured had an obligation to disclose a particular fact to the insurer?

A) Whether withholding the information breached the doctrine of utmost good faith.
B) Whether withholding the information breached the insurable interest.
C) Whether withholding the information constituted a breach of the insurance policy.
D) Whether withholding the information would have influenced the insurer's decision to decline the risk or stipulate a higher premium.
E) None of the responses are correct.