General Insurance PrinciplesQuestion 589 of 716
Statements an applicant makes on a life or health application are generally treated as:
a.Representations believed to be true to the best of the applicant's knowledge
b.Promises binding only upon the insurer
c.Legally meaningless statements that have no effect whatsoever on the validity of the insurance contract
d.Warranties that are guaranteed to be literally true
Explanation
Application answers are representations, statements the applicant believes true, so only a material misstatement affects the contract. They are not warranties held to literal exactness.
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Related questions on this topic
- HIPAA privacy rules require insurers to:
- An applicant with better-than-average health and lifestyle who qualifies for the lowest available rates is classified as a:
- A substandard (rated) risk is one who:
- A misrepresentation on an application will let the insurer void the contract during the contestable period only if the misrepresentation is:
- Concealment is best defined as:
- A waiver, as the term is used in insurance, is:
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)