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Ítem Una mirada crítica al fenómeno de la reticencia en el panorama del seguro de renta vitalicia(Universidad EAFIT, 2024) González Gomescasseres, Paulo Cesar; González Jaramillo, José LuisLife annuity is a pension plan established in Article 80 of Law 100 of 1993. This policy allows the beneficiary to receive a periodic and constant pension allowance until his death, for which he will give as consideration a single and extraordinary capital payment called single premium. In this sense, the law qualifies this pension mode as irrevocable and fundamental, since the social security rights of the beneficiaries are at stake. Therefore, as a consequence of the foregoing, the figure of relative nullity due to reticence does not apply to the life annuity policy, in those cases where the elements of configuration of the latter are present. This situation has generated in practice a series of questions as to what legal treatment can be given to the phenomenon of reticence in these cases and, thus, mitigate the patrimonial consequences that this currently entails for the insurance companies. Thus, the purpose of this work is to carry out an exhaustive research on the alternatives and solutions to the research on the alternatives and legal solutions that can be offered in the face of this problem. For this purpose, a study of the different legal productions is proposed, covering from national jurisprudence and doctrine to comparative law itself.