In American warranty law, if you have a warranty on a product like a car, you change the headlights and void that part of the warranty, then the transmission fails, courts have ruled that the car company cannot deny the transmission claim because of the headlight change.
Now obviously this is a different country and a different set of facts, but life insurance is a lot like a warranty. So seems to me this is an actionable case.
Unclear from the article if this has been through the courts.
