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Comments to Questions Requiring Additional Explanation:
Copy of the Notice of Information Practices (Privacy) has been given to the applica
nt. (Not required in all states;
or broker for your state's requirements.)
NOTICE OF INSURANCE INFORMATION PRACTICES - PERSONAL INFORMATION ABOUT YOU MAY BE COLLECTED FROM PERSONS OTHER THAN
YOU IN CONNECTION WITH THIS APPLICATION FOR INSURANCE. SUCH INFORMATION AS WELL AS OTHER PERSONAL AND PRIVILEGED
INFORMATION COLLECTED BY US OR OUR AGENTS MAY IN CERTAIN CIRCUMSTANCES BE DISCLOSED TO THIRD PARTIES WITHOUT YOUR
AUTHORIZATION. YOU HAVE THE RIGHT TO REVIEW YOUR PERSONAL INFORMATION IN OUR FILES AND CAN REQUEST CORRECTION OF ANY
INACCURACIES. A MORE DETAILED DESCRIPTION OF YOUR RIGHTS AND OUR PRACTICES REGARDING SUCH INFORMATION IS AVAILABLE UPON
REQUEST. CONTACT YOUR AGENT OR BROKER FOR INSTRUCTIONS ON HOW TO SUBMIT A REQUEST TO US.
In AL, AR, DC, LA, MD, NM, RI and WV: Any person who knowingly (or willfully)* presents a false or fraudulent claim for payment of a loss or
benefit or knowingly (or willfully)* presents false information in an application for insurance is guilty of a crime and may be subject to fines and
confinement in prison. *Applies in MD Only.
In CO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding
or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or
agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the
purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds
shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
In FL and OK: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application
containing any false, incomplete, or misleading information is guilty of a felony (of the third degree)*. *Applies in FL Only.
In KS: Any person who commits a fraudulent insurance act is guilty of a crime and may be subject to restitution, fines and confinement in prison. A
fraudulent insurance act means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or
prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer or insurance agent or broker, any written, electronic,
electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for insurance, or
the rating of an insurance policy, or a claim for payment or other benefit under an insurance policy, which such person knows to contain materially
false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.
In KY, NY, OH and PA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for
insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact
material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties (not to exceed five
thousand dollars and the stated value of the claim for each such violation)*. *Applies in NY Only.
In ME, TN, VA and WA:
It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of
defrauding the company. Penalties (may)* include imprisonment, fines and denial of insurance benefits. *Applies in ME Only.
In NJ: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.
In OR: Any person who knowingly and with intent to defraud or solicit another to defraud the insurer by submitting an application containing a false
statement as to any material fact may be violating state law.
In PR: Any person who knowingly and with the intention of defrauding presents false information in an insurance application, or presents, helps, or
causes the presentation of a fraudulent claim for the payment of a loss or any other benefit, or presents more than one claim for the same damage or
loss, shall incur a felony and, upon conviction, shall be sanctioned for each violation by a fine of not less than five thousand dollars ($5,000) and not
more than ten thousand dollars ($10,000) or a fixed term of imprisonment for three (3) years, or both penalties. Should aggravating circumstances
[be] present, the penalty thus established may be increased to a maximum of five (5) years, if extenuating circumstances are present, it may be
reduced to a minimum of two (2) years.
I, the undersigned, hereby certify that to the best of my knowledge and belief the information provided is true and complete and I have not
withheld any material information. It is agreed that this form shall be the basis of the contract and / or policy should a contract and / or
policy be issued and if anything be falsely stated or information withheld to influence the company’s decision, the insurance contract and
/ or policy will be null and void.
Applicant Signature: Date:
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