Warning: It is a crime to provide false or misleading information to an insurer for the purpose of d 2025

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In common language the false swearing provision of an insurance policy merely means that if the insured lies under oath the policy is void whether the lie is in a proof of loss or at an examination under oath.
Insurance Fraud is a Felony.
While you might be tempted to lie on your application to improve your insurability, its important to know that lying on a life insurance application is considered fraud which can have serious consequences, including denied benefits for your loved ones.
Offenses Related to Insurance Fraud Perjury: may be charged when someone knowingly lies in a situation when they have formally pledged to tell the truth. Bribery: may involve paying or offering to pay someone else to ignore or cover up an incident of apparent insurance fraud.
Hard fraud refers to a situation in which someone plans or invents a loss for a claim payout. These crimes can result in jail time. Specific examples of hard fraud include: Staged auto accidents - When a driver plans to force another driver into a collision and a planted witness tells police the victim is at fault.
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10-1-128 APPLICATION OR POLICIES OR CLAIM FORMS IT IS UNLAWFUL TO KNOWINGLY PROVIDE FALSE, INCOMPLETE, OR MISLEADING FACTS OR INFORMATION TO AN INSURANCE COMPANY FOR THE PURPOSE OF DEFRAUDING OR ATTEMPTING TO DEFRAUD THE COMPANY. PENALTIES MAY INCLUDE IMPRISONMENT, FINES, DENIAL OF INSURANCE AND CIVIL DAMAGES.
An example of misrepresentation in insurance can be lying about installing a swimming pool, using a friends or relatives address to lower the premium, or intentionally setting fire to a property to collect a payout but filing a claim stating the fire was an accident.

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