Insurance Curator

Pre-existing condition non-disclosure can trigger serious consequences in insurance: rescission, claim denial, or premium recalculation. Utah law, particularly the rules in Title 31A Chapter 21, …

Challenging a materiality determination in Utah requires strategy, evidence, and a clear understanding of Utah Title 31A Chapter 21 and how courts evaluate omissions. This …

Pre-existing condition non-disclosure can turn a routine insurance application into a high-stakes legal issue in Utah. Knowing when an omitted medical fact becomes a legal …

The first two years after a life, health, or disability insurance policy is issued in Utah are critical. During this two-year contestability period, insurers can …

Forgetting to list medication history on an insurance application can have serious financial and legal consequences. In Utah, omissions about pre-existing conditions or ongoing treatments …

Understanding the difference between an omission and a misrepresentation is critical for Utah insurance applicants and carriers. This article explains how Utah Title 31A Chapter …

Understanding how Utah courts decide whether a medical fact would have changed an insurer’s quote is essential for applicants and policyholders facing disputes about pre-existing …

Utah Title 31A Chapter 21 governs insurer and applicant duties around material facts in insurance applications. For health and life insurance, a material omission—especially involving …

Understanding when an insurer can void a policy in Utah hinges on materiality—whether an omission or misstatement would have affected the insurer’s decision to issue …

Short-term medical insurance can provide temporary coverage gaps for Arkansans, but application integrity is critical. Arkansas enforces disclosure obligations that affect policy validity, rescission risk, …