I filled out and signed a life insurance application and the ins company is processing my application now. I answered “No” on "Hepatitis and Liver Disease", but I wrote that I am a "HEPATITIS B VIRUS CARRIER" they asked my "Recent Health History " ‘cause I feel "carrier" is sound better then "disease". Recently, I understand that Hepatitis B is also a chronic disease even no symptom ‘cause I visited a state health department mentioning about Hepatitis B Virus Carriers. I would like to know that do I commit an insurance fraud because I answered “No” on “Hepatitis and Liver Disease”, but I wrote that I am a "HEPATITIS B VIRUS CARRIER". What can I do if I really made the mistake and false statement? I would very appreciate if some New York criminal and insurance lawyers can enlighten me.