IA-APP-CROP (08/09) © 2009 X.L. America, Inc. All Rights Reserved. Page 2 of 2
IA-APP-CROP-FL (09/11) May not be copied without permission.
IA-APP-CROP-KY (06/11)
IA-APP-CROP-ME (02/10) IA-APP-CROP-MA (03/10)
NOTICE TO FLORIDA APPLICANTS: Any person who knowingly and with intent to injure, defraud, or deceive any insurance company 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 TO
HAWAII APPLICANTS: For your protection, Hawaii law requires you to be informed that presenting a fraudulent claim for payment of a loss or benefit is
a crime punishable by fines or imprisonment or both. NOTICE TO KENTUCKY APPLICANTS: Any person who knowingly and with intent to defraud
any insurance company or other person files an application for insurance 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. NOTICE TO LOUISIANA
APPLICANTS: 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 TO MAINE APPLICANTS: It is a
crime to knowingly provide false, incomplete or misleading information to an insurance company for purposes of defrauding the company. Penalties
may include imprisonment, fines or a denial of insurance benefits. NOTICE TO MARYLAND APPLICANTS: Any person who knowingly and willfully
presents a false or fraudulent claim for payment of a loss or benefit or who knowingly and 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 TO NEW JERSEY APPLICANTS: Any person who
includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. NOTICE TO NEW
MEXICO APPLICANTS: 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 civil fines and criminal penalties. NOTICE TO NEW YORK
APPLICANTS: 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 violation. NOTICE TO OHIO APPLICANTS: 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 TO
OKLAHOMA APPLICANTS: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the
proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. NOTICE TO PENNSYLVANIA
APPLICANTS: 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. NOTICE TO RHODE ISLAND
APPLICANTS: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefitor 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 TO TENNESSEE APPLICANTS: 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 and denial of insurance benefits. NOTICE TO VIRGINIA APPLICANTS: 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 and denial of
insurance benefits. NOTICE TO WASHINGTON APPLICANTS: 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 and denial of insurance benefits. NOTICE TO
WEST VIRGINIA APPLICANTS: 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 TO ALL OTHER
STATE APPLICANTS: Any person who knowingly and willfully presents false information in an application for insurance may be guilty of insurance
fraud and subject to fines and confinement in prison.
Fraud Language updated (02/10)