Statements made by an insurance applicant on an application are considered to be

Statements made by an insurance applicant on an application are considered to be representations. 
A representation is a statement of fact that induces a party to enter into the contract. The statement, made before or at the time of making the contract regards a past fact or existing circumstance related to the contract which influences such party to enter the contract. In an insurance contract it qualifies as an implied warranty.

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