Answers to questions in applications for health and disability insurance are considered representations and not warranties. If an applicant later realizes he/she answered a question incorrectly, how may the answer be changed?

Answers to questions in applications for health and disability insurance are considered representations and not warranties. If an applicant later realizes he/she answered a question incorrectly, how may the answer be changed?




A. The applicant will have up to two years to correct any wrong information in the application


B. Wrong information may be corrected at any time prior to issuance of the policy


C. The applicant will have the opportunity to correct any wrong answers when the policy is delivered


D. Once submitted, answers in an application for insurance cannot be changed



Answer: B.

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