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Life & Health · Chapter 3 · Contract Law

Representation

Definition
A statement believed true to the best of the applicant's knowledge. NOT part of the contract; matters only to the extent it's material. Applicant statements on life/health apps are representations.
Exam tip
Warranty = guaranteed true, part of the contract. Representation = believed true, not part of the contract.
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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Verified against primary sources · 2026-08-10