Important disclaimers
Any person who knowingly and with intent to injure, defraud or deceive 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.
Alabama Residents: 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. Arkansas, District of Columbia, Rhode Island
and West Virginia Residents: 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. California Residents: For your protection California law requires notice of the
following to appear on this form: Any person who knowingly presents a false or fraudulent claim for the payment of a
loss is guilty of a crime and may be subject to fines and confinement in state prison. Colorado Residents: 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. Florida Residents: 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. Kansas
Residents: Any person who knowingly and with intent to injure, defraud or deceive any insurance company or other
person submits an enrollment form for insurance or statement of claim containing any materially false information or
conceals, for the purpose of misleading, information concerning any fact material thereto may have violated state law.
Kentucky Residents: Any person who knowingly and with intent to defraud any insurance company or other person
files a 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. Louisiana
Residents: 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 is guilty of a crime and may be subject to fines and confinement
in prison. Maine and Tennessee Residents: 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, or denial of insurance benefits. Maryland Residents: 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. Missouri
Residents: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for
the purpose of defrauding the company. Penalties include imprisonment, fines, denial of insurance and civil damages,
as determined by a court of law. Any person who knowingly and with intent to injure, defraud or deceive an insurance
company may be guilty of fraud as determined by a court of law. New Jersey Residents: Any person who includes any
false or misleading information on an application for an insurance policy or knowingly files a statement of claim
containing any false or misleading information is subject to criminal and civil penalties. New York Residents: 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 be
subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each violation. North
Carolina Residents: Any person who knowingly and with intent to injure, defraud or deceive 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 may be a crime and subjects such person to criminal and civil penalties. Ohio Residents: Any