---
title: "What Is Misrepresentation? Definition | Epic Life Glossary"
description: "Misrepresentation is a false or misleading statement about a material fact, made by an applicant or by an agent. In insurance, it can affect coverage,..."
url: https://epicline.preview.multisites.ai/glossary/misrepresentation
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Compliance and regulation

# Misrepresentation

Misrepresentation is a false or misleading statement about a material fact, made by an applicant or by an agent. In insurance, it can affect coverage, claims, and the agent's license.

## Why it matters

If an applicant gives wrong health answers, the insurer may deny a claim or cancel the policy, often within the contestability period. If an agent misstates benefits, costs, or terms, the state may fine the agent or revoke the license. Misrepresentation is a listed unfair trade practice in state law. Applicants should answer questions fully and review the application before signing. Families should keep copies of what they were told in writing.

Source: [naic.org](https://content.naic.org/sites/default/files/model-law-880.pdf)

[Read next, for familiesHow do you file a life insurance claim after a loved one dies?](https://epicline.preview.multisites.ai/guides/how-to-file-a-life-insurance-claim)

## Where we use this term

-   [Building an insurance agency: how overrides and downlines work, and what is legal](https://epicline.preview.multisites.ai/guides/building-an-insurance-agency-overrides-downlines)
-   [Your first 90 days as a telesales life insurance agent: a week-by-week ramp](https://epicline.preview.multisites.ai/guides/first-90-days-as-a-telesales-agent)
-   [Inbound calls vs live transfers vs aged leads: how to compare cost per sale](https://epicline.preview.multisites.ai/guides/inbound-calls-vs-live-transfers-vs-aged-leads)

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