Under ORC 3999.21, which documents must clearly contain a warning that submitting a false or deceptive statement with intent to defraud constitutes insurance fraud?

Why D is correct

ORC 3999.21 requires all insurer applications and all claim forms to clearly contain a warning that any person who, with intent to defraud, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. The statute also provides that the absence of the warning is not a defense, so the requirement protects consumers and obligates insurers on both the sales and claims sides.

Why the other options are wrong

• A) Limiting the warning to claim forms is too narrow; ORC 3999.21 requires it on applications as well.
• B) Limiting the warning to new business applications is too narrow; claim forms must carry it too, covering the claims process.
• C) The delivery channel is irrelevant; the warning requirement applies to all applications and claim forms, not just direct-response business.

Memory hook

Fraud warning lives on every application and every claim form.