Although most state’s laws discourage policyholders from making misrepresentations to their insurers during the underwriting process, insurers seeking to rescind their policies are often burdened with difficult hurdles — such as proof of the policyholder's intent to deceive — and inflexible notice requirements before they can reap the benefit of that remedy. Courts are also inclined to consider rescission a drastic step and are “ordinarily reluctant to grant it.” Union Ins. Exch., Inc. v. Gaul, 393 F.2d 151, 154 (7th Cir. 1968).