An applicant for life insurance understates his weight on the application. Under O.C.G.A. § 33-24-7, the insurer may base a denial of the claim on this misstatement only if the misstatement:

Why C is correct

Under O.C.G.A. § 33-24-7, statements in the application are representations, not warranties, and a misrepresentation defeats recovery only if it increases the risk of loss or contributes to it. An applicant's statements therefore cannot void coverage on technical grounds; the misstatement must matter to the risk actually assumed. This is the representations statute, distinct from the written-consent requirement for insuring another person under § 33-24-6.

Why the other options are wrong

• A) Application statements are made in writing in the ordinary course; the written form is not what makes a misstatement fatal under § 33-24-7.
• B) Repetition by the producer neither creates nor cures the analysis; the statutory test is whether the misstatement increased the risk of loss.
• D) Time of discovery is not the test of § 33-24-7; the misrepresentation matters only if it increased or contributed to the risk of loss.

Memory hook

Representations, not warranties - only risk-relevant lies hurt.