California Insurance Code & EthicsQuestion 74 of 315
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 violation; the insurer can simply adjust the premium
b.Misrepresentation under §790.03 and fraudulent conduct supporting license revocation under §1668
c.A protected sales practice when done in the client's best interest
d.Permissible because age is verifiable later from the death certificate
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), §790.03Practice all 315 questions free — no signup required.
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