the underwriter to know, is not to be considered as such concealment. If the fact so untruly stated or porvore’y suppressed is not material, that is, if the knowledge or ignorance of it would not naturally influence the judgment of the underwriter in making the contract, or in estimating the degree and character of the risk, or in fixing the rate of the premium, it is not a “misrepresentation” or “concealment,” within the clause of the conditions annexed to policies.