ILLINOIS INTEREST STATEMENT: For contracts issued in and residents of Illinois, unless payment is made within
thirty-one (31) days from the date of receipt by the company of due proof of loss, interest shall accrue on the proceeds
payable because of the death of the insured, from date of death, at the rate of 10% on the total amount payable or the
face amount if payments are to made in installments until the total payment or the first installment is paid.
FRAUD WARNINGS BY STATE
NOTICE IN ALABAMA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or
who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to
restitution fines or confinement in prison, or any combination thereof.
NOTICE IN ALASKA, KENTUCKY, LOUISIANA, MAINE, NEW JERSEY AND NEW MEXICO: Any person who
knowingly and with intent to injure, defraud or deceive an insurance company files a claim containing false, incomplete or
misleading information may be prosecuted under state law.
NOTICE IN ARIZONA: For your protection Arizona law requires the following statement to appear on
this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is
subject to criminal and civil penalties.
NOTICE IN ARKANSAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit
or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and
confinement in prison.
NOTICE IN CALIFORNIA: For your protection, California law requires the following to appear on this form. Any person
who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines
and confinement in state prison.
NOTICE IN COLORADO: 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.
NOTICE IN DELAWARE, IDAHO, INDIANA, MINNESOTA, AND OKLAHOMA: Any person who knowingly and with
intent to injure, defraud or deceive an insurance company files a claim containing false, incomplete or misleading
information is guilty of a felony.
NOTICE IN DISTRICT OF COLUMBIA: FRAUD NOTICE: It is a crime to provide false or misleading information to an
insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In
addition, an insurer may deny insurance benefits, if false information materially related to a claim was provided by the
applicant.
NOTICE IN FLORIDA: 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.
NOTICE IN MARYLAND: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss
or benefit or who 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.
NOTICE IN NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud or deceive any insurance company,
files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and
punishment for insurance fraud, as provided in RSA 638.20.
NOTICE IN NEW YORK: 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 shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for
each such violation.
NOTICE IN OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer,
submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
NOTICE IN OREGON: Any person who makes intentional misstatement that is material to the risk may be found guilty of
insurance fraud by a court of law.
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