{"data":{"id":"us-ky/krs-304.14-110","jurisdiction":"us-ky","citation":"KRS 304.14-110","heading":"Representations in applications.","body":"All statements and descriptions in any application for an insurance policy or annuity\ncontract, by or on behalf of the insured or annuitant, shall be deemed to be representations\nand not warranties. Misrepresentations, omissions, and incorrect statements s hall not\nprevent a recovery under the policy or contract unless either:\n(1) Fraudulent; or\n(2) Material either to the acceptance of the risk, or to the hazard assumed by the\ninsurer; or\n(3) The insurer in good faith would either not have issued the policy or contract, or\nwould not have issued it at the same premium rate, or would not have issued a\npolicy or contract in as large an amount, or would not have provided coverage with\nrespect to the hazard resulting in the loss, if the true facts had been made kn own to\nthe insurer as required either by the application for the policy or contract or\notherwise. This subsection shall not apply to applications taken for workers'\ncompensation insurance coverage.","path":[],"source_url":"https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=17130","current_through":"Includes enactments through the 2026 Regular Session","vintage":"09/05/2026","retrieved_at":"2026-09-05T20:57:43Z","sha256":"c139afd420d47f1f365cadf36538d80593eb0742aa7445e61330297c187886a2","source_id":"us-ky","stale":false,"prev":"us-ky/krs-304.14-100","next":"us-ky/krs-304.14-120"},"notice":"GroundRules: Original legal text. Not legal advice."}