General Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
In an application for life insurance, the statements the applicant makes about their health and habits are generally treated as:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Statements in an application are representations — declarations of fact made to induce the insurer to accept the risk. Under California law, a representation is treated as false if it does not agree with the facts, and a false, material representation can void the policy. Unlike a warranty, a representation need not be literally perfect in every detail; materiality matters.
Why the other options are wrong
- B) Application answers are generally representations, not warranties; warranties are strictly construed and breach may void coverage, but insurance application answers are not treated as warranties.
- C) No statement guarantees future health; representations concern facts at the time of application.
- D) Application statements are the insured's own declarations to the insurer, not insurer advertising.
Memory hook
Application answers = representations. Lie about something material and the policy can be rescinded; stay honest and it is just information.