Florida Life and Health Insurance License Test 2025 – 400 Free Practice Questions to Pass the Exam

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What is a representation in an insurance application?

A statement that does not become part of the contract

A legally binding promise

A statement to be true to the best of one's knowledge and part of the contract

A representation in an insurance application is a statement that the applicant believes to be true and is included as part of the contract. This means that the applicant is held responsible for the accuracy of the information provided. Option A is incorrect because a representation does become part of the contract. Option B is incorrect because a representation is not a legally binding promise, but rather a statement of fact. Option D is incorrect because a false representation can lead to the contract being voided by the insurer.

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A false statement to deceive the insurer

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