Misrepresentation in the Life, Health, and Disability Insurance Application Process: A National SurveyThis comprehensive publication provides practitioners in the area of life, health, and disability insurance with a national survey of each of the fifty states regarding misrepresentations on applications as well as the applicable case law interpreting relevant statutes and developing the common law regarding misrepresentations. In addition, the publication will address the evolving issues related to misrepresentations in the context of the Employee Retirement Income Security Act (ERISA). |
Contents
Acknowledgments | xxxix |
About the Contributors | xlv |
PART I | 1 |
The Claim | 3 |
Alaska | 11 |
Arizona | 17 |
Idaho | 31 |
Colorado | 41 |
Oregon | 273 |
Pennsylvania | 283 |
G Ambiguities in the Contract | 287 |
Rhode Island | 289 |
South Carolina | 295 |
South Dakota | 303 |
Tennessee | 309 |
Texas | 317 |
Connecticut | 47 |
Florida | 71 |
Georgia | 79 |
Hawaii | 85 |
Indiana | 107 |
Iowa | 113 |
Kansas | 119 |
Kentucky | 127 |
Louisiana | 137 |
Maine | 143 |
Maryland | 151 |
Massachusetts | 159 |
Michigan | 167 |
Minnesota | 175 |
Mississippi | 183 |
Missouri | 189 |
Montana | 197 |
F EstoppelWaiver | 203 |
Nevada | 209 |
E Changes Between Time of Application and Issuance of Policy | 213 |
Arkansas | 215 |
New Hampshire | 219 |
New Jersey | 225 |
Donovan | 231 |
New York | 237 |
North Carolina | 245 |
North Dakota | 253 |
Ohio | 259 |
Oklahoma | 267 |
Utah | 325 |
District of Columbia | 331 |
Virginia | 339 |
Washington | 347 |
23 | 348 |
Defenses Misrepresentations by the Insurer | 353 |
West Virginia | 355 |
Wisconsin | 363 |
Wyoming | 371 |
F Changes Between Time of Application and Issuance of Policy | 374 |
First Circuit | 381 |
Second Circuit | 389 |
98 | 392 |
Third Circuit | 395 |
Fourth Circuit | 403 |
Fifth Circuit | 413 |
Seventh Circuit | 419 |
Ninth Circuit | 425 |
H Remedies | 435 |
Eleventh Circuit | 441 |
Table of Cases | 451 |
99 | 452 |
64 | 460 |
40 | 470 |
390 | 477 |
| 499 | |
| 501 | |
Common terms and phrases
3d Cir 4th Cir accident answers applicant's Application and Issuance application for insurance Ariz cause of action Circuit CODE ANN concealment coverage defense Duty to Inquire equitable estoppel ERISA Errors in Recording estopped Estoppel/Waiver failure to disclose Failure to Read false statement falsity federal common law fraud Fraudulent Misrepresentations hazard assumed health insurance Increased Risk Innocent Misrepresentations insurance application insurance company insurance contract insurance policy insured's insurer's agent intent to deceive issued the policy John Hancock Mut Knowledge of Agent material misrepresentation matter of law Minnesota Mut misrepre Misrepresentation and Loss misrepresentation claim misrepresented misstatements Mutual Nat'l Nationwide Mut party plaintiff policy or contract preempted provides Prudential reasonable Relationship Between Misrepresentation rely representation rescind a policy rescission risk of loss STAT statute of limitations Statutes Governing Misrepresentations summary judgment Supp Supreme Court Tenn tion true facts void the policy waiver