State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under California Insurance Code Section 350, a representation made by an applicant to an insurer:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 350 states simply that a representation may be oral or written. Statements made by an applicant during the sales process - including answers given orally to an agent - can be representations that the insurer may rely upon. This reflects the practical reality that applications are often discussed orally, even though the signed written application ultimately documents the statements the insurer relies on.
Why the other options are wrong
- B) Section 350 expressly permits oral representations; a written statement is not required.
- C) Notarization is not required for a representation to be effective.
- D) No oath is required for a representation under Section 350.
Memory hook
Oral or written - both count as representations. No notary, no oath needed.