This term refers to all of the answers provided by the applicant on both the application form and all additional documents.

• A. Declarations
• B. Warranties
• C. Representations
• D. Disclosures

Answer: (C)

Representations are statements of fact provided by the applicant on the application form and any additional documents. These statements are used by the insurer to assess risk and decide whether to issue the policy and at what premium. They must be true to the best of the applicant’s knowledge at the time of application; if a representation is false and material to the risk, the insurer may void the contract or deny a claim. Declarations are the facts stated in the policy itself, warranties are strict promises about ongoing truth, and disclosures are information that must be revealed to the insurer. Because the description covers the information supplied in the application and attachments, it is a representation.