State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
An applicant signs a claim form for life insurance benefits knowing the claim statements are false. Under California Insurance Code Section 1871.2, this act is:
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
California law (Sections 1871-1871.4) makes knowingly making or presenting a false or fraudulent insurance claim a crime, and Section 1871.2 specifically provides that a person who signs a claim form containing false statements is guilty of perjury. The antifraud statutes also establish the Fraud Division (Section 1872) and insurer special investigation unit requirements (Sections 1875.20-1875.23).
Why the other options are wrong
- B) False claims are criminal offenses, not harmless puffery.
- C) The conduct is criminal, not merely civil; denying the claim is separate from the criminal exposure.
- D) Correcting the form later does not erase the crime of knowingly signing a false claim statement.
Memory hook
Sign a claim with lies = perjury, plain and simple. The signature is the crime scene.