immaterial representation

immaterial representation
A representation in an application for insurance, particularly life or accident insurance, concerning a matter which, if truly stated by the applicant, would not prompt further inquiry by the insurer, does not increase the chance of loss so substantially as to bring about the rejection of the risk or the charging of an increased premium, and is not expressly made material by the terms of the contract of insurance. 29 Am J Rev ed Ins § 701.

Ballentine's law dictionary. . 1998.

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