State RegulationsOH specificDifficulty 1/5
Under the Ohio standard provisions, how are statements made by the applicant in an individual life application treated?
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
ORC 3915.05(D) provides that the statements made by the applicant in the application are, in the absence of fraud, representations and not warranties. This classification matters: a representation only defeats coverage if it was fraudulent or material, while a warranty would make even an innocent inaccuracy fatal to the claim. Ohio's rule shields honest applicants from losing coverage over harmless errors.
Why the other options are wrong
- B) Treating the statements as absolute warranties contradicts ORC 3915.05(D), which classifies them as representations absent fraud.
- C) There is no insurer-election hybrid status; the statute fixes the classification as representations, not warranties, unless fraud is present.
- D) The statements are not guarantees of every fact; under ORC 3915.05(D) they are representations whose inaccuracies matter only with fraud.
Memory hook
Ohio application answers: representations, not warranties — unless fraud.