Which of the following can make a policy void?

Concealment is a critical factor that can render a policy void because it involves the intentional withholding of relevant information by the insured during the application process. Insurance relies heavily on the principle of utmost good faith, which means that both parties must be honest and transparent. If an applicant fails to disclose material information that could influence the insurer's decision to provide coverage or determine the premium, the insurer is justified in voiding the policy. This is because the insurer was misled into entering the contract based on incomplete or deceptive information, thus breaching the trust essential for the insurance agreement.

In contrast, reasonable expectations, representations, and agreements do not inherently have the same effect on the validity of the policy. Reasonable expectations pertain to what an average person might believe is covered by an insurance policy but does not sever the contract outright. Similarly, representations are statements made by the insured that are believed to be true at the time of the application but may be subject to interpretation rather than causing voidance. Agreements, while important for the formation of a contract, focus on mutual consent and do not imply that a policy is automatically void. Therefore, concealment stands out as the action that can directly lead to a policy being voided.