Life · Chapter 21 · Group Provisions
Application in Policy / Representations (Group)
Definition
A Florida group life policy must provide that a copy of the application is attached to the policy when issued. All statements by the policyholder or insured persons are representations, not warranties. No covered person's statement may be used in any contest unless a copy of the instrument containing the statement has been furnished to that person or their beneficiary.
In plain English
Your words are honest-belief statements, not guarantees — and the company can't ambush you with a document you were never given.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
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