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

Ky. Rev. Stat. § 304.656 (2026)

Repealed, 1970

✓ current as of May 2026
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Catchline at repeal: Warranties, misrepresentations in applications. History: Repealed 1970 Ky. Acts ch. 301, subtit. 99, sec. 3, effective June 18, 1970. -- Created 1950 Ky. Acts ch. 21, sec. 1, effective September 1, 1950.

Notes of Decisions
Cited in 7 cases, 1960–2000 · leading case: Pennsylvania Life Ins. Co. v. McReynolds, 440 S.W.2d 275 (Ky. Ct. App. 1969).
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Pennsylvania Life Ins. Co. v. McReynolds, 440 S.W.2d 275 (Ky. Ct. App. 1969). · cites it 8× “" The legislative policy of this State is declared in KRS 304.656 which provides: "All statements or descriptions in any application for an insurance policy or in negotiations therefor, by or in behalf of the insured, shall be deemed to be representations and not warranties.”
Progressive N. Ins. Co. v. Corder, 15 S.W.3d 381 (Ky. 2000). · cites it 2× “160; repealed and replaced in 1950 with KRS 304.656, 1950 Ky.Acts ch. 21 §§ 1, 2; repealed and replaced in 1970 with KRS 304.”
Mills v. Reserve Life Ins. Co., 335 S.W.2d 955 (Ky. Ct. App. 1960). · cites it 2× “KRS 304.656 reads: "All statements or descriptions in any application for an insurance policy or in negotiations therefor, by or in behalf of the insured, shall be deemed to be representations and not warranties.”
Kentucky Cent. Life Ins. Co. v. Combs, 432 S.W.2d 415 (Ky. Ct. App. 1968). · cites it 2× “He asked him what his trouble was and he told him he had a little heart trouble, and I started laughing then, just making a joke out of it, I told my Dad, `They won't sell you an insurance policy and you with heart trouble,' and George said, `We'll not put that on there,' and he…”
Investors Syndicate Life Ins. & Annuity Co. v. Slayton, 429 S.W.2d 368 (Ky. Ct. App. 1968). “The appellant company maintains that as a matter of law the false answers in the application for insurance were material, wherefore, under KRS 304.656, it was entitled to avoid the policy.”
Lincoln Income Life Ins. Co. v. Burchfield, 394 S.W.2d 468 (Ky. Ct. App. 1965). “The question with which we are confronted is: Were they material to the risk assumed by the appellant? KRS 304.656 reads: •“All statements or descriptions in any application for an insurance policy nr in negotiations therefor, by or in behalf of the insured, shall be deemed to…”
State Farm Mut. Auto. Ins. Co. v. Martin, 382 S.W.2d 83 (Ky. Ct. App. 1964). “KRS 304.656 is as follows: “All statements or descriptions in any application for an insurance policy or in negotiations therefor, by or in behalf of the insured, shall be deemed to be representations and not warranties.”
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