Ky. Rev. Stat. » Chapter 304
Kentucky Revised Statutes

Ky. Rev. Stat. § 304.12-020 (2026)

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No person shall make or disseminate orally or in other manner any advertisement, information, matter, statement, or thing:

(1) Misrepresenting the terms of any policy or the benefits or advantages thereof or dividends or share of surplus to be received thereon, or setting forth false or misleading information or estimates as to dividends or share of surplus previously paid on similar policies.

(2) Using any name or title of any policy or class of policies misrepresenting the true nature thereof.

(3) Setting forth any misleading representation or any misrepresentation as to the financial condition of an insurer, or as to the legal reserve system upon which any life insurer operates.

(4) Containing any assertion, representation, or statement with respect to the business of insurance or with respect to any person in the conduct of his insurance business, which is untrue, deceptive, or misleading. Effective: June 18, 1970 History: Created 1970 Ky. Acts ch. 301, subtit. 12, sec. 2, effective June 18, 1970.

Notes of Decisions
Cited in 4 cases (2 in the last 5 years), 2012–2021 · leading case: Helton ex rel. Warren C. Helton Irrevocable Trust v. Am. Gen. Life Ins., 946 F. Supp. 2d 695 (W.D. Ky. 2013).
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Helton ex rel. Warren C. Helton Irrevocable Trust v. Am. Gen. Life Ins., 946 F. Supp. 2d 695 (W.D. Ky. 2013). · cites it 3× “12-010 is an introductory section to Subtitle 12 of the Insurance Code, but in her complaint, [plaintiff] also alleges a violation of KRS 304.12-020[.]” Id. at 6. Defendant Rasche reasons that because KRS § 304.”
Crutchfield ex rel. Crutchfield v. Transamerica Occidental Life Ins., 894 F. Supp. 2d 971 (W.D. Ky. 2012). · cites it 2× “12-010 and KRS § 304.12-020 which prohibit deceptive practices within insurance businesses.”
Prewitt v. Gerber Life Ins. Co. (E.D. Ky. 2021). · cites it 6× “Private Cause of Action Finally, Defendant denies the existence of a private right of action under Kentucky’s KRS 446.”
Am. Gen. Life Ins. Co. v. Jude (E.D. Ky. 2021). · cites it 2× “10, 2004) (denying an insurer’s motion for summary judgment when insurer turned a KRS § 304.12-020 claim into a claim under the UCSPA and therefore did not meet its burden).”
Ky. Rev. Stat. § 304.12-020(4): 1 case
Helton ex rel. Warren C. Helton Irrevocable Trust v. Am. Gen. Life Ins., 946 F. Supp. 2d 695 (W.D. Ky. 2013). “12-010 is an introductory section to Subtitle 12 of the Insurance Code, but in her complaint, [plaintiff] also alleges a violation of KRS 304.12-020[.]” Id. at 6. Defendant Rasche reasons that because KRS § 304.”
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