California Insurance Code & EthicsQuestion 74 of 716
An agent intentionally writes incorrect age on a senior's life insurance application to qualify the applicant for a better rate class. Which of the following best describes the violations?
a.Only a contract issue, since the insurer can simply adjust the premium at claim time under the age clause
b.A protected sales practice, because the agent acted in the client's best interest
c.Misrepresentation under §790.03 and fraudulent conduct supporting license revocation under §1668
d.Permissible, because the true age is verifiable later from the death certificate at the time of claim
Explanation
Intentionally falsifying application data is a misrepresentation that violates §790.03 and constitutes fraudulent conduct under §1668, exposing the agent to license revocation, fines, and criminal liability. The misstatement-of-age clause adjusts benefits but does not excuse fraud.
Law Reference: Cal. Ins. Code §1668(d), §790.03This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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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)