Utah Code

Utah Code § 31A-21-105 (2026)

Representations, warranties, and conditions

✓ current as of May 2026

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No statement, representation, or warranty made by any person representing the insurer in the negotiation for an individual or franchise insurance contract affects the insurer's obligations under the policy unless it is stated in the policy or in a written application signed by the applicant. No person, except the applicant or another by his written consent, may alter the application, except for administrative purposes in a way which is clearly not ascribable to the applicant.

No statement, representation, or warranty made by or on behalf of a particular certificate holder under a group policy affects the insurer's obligations under the certificate unless it is stated in the certificate or in a written document signed by the certificate holder, and a copy of it is supplied to the certificate holder.

The policyholder, his assignee, the loss payee or mortgagee or lienholder under property insurance, and any person whose life or health is insured under a policy may request, in writing, from the company a copy of the application, if he did not receive the policy or a copy of it, or if the policy has been reinstated or renewed without the attachment of a copy of the original application. If the insurer does not deliver or mail a copy as requested within 30 days after receipt of the request by the insurer or its agent, or in the case of a group policy certificate holder, does not inform that person within the same period how he may inspect the policy or a copy of it and application or enrollment card or a copy of it during normal business hours at a place reasonably convenient to the certificate holder, nothing in the application or enrollment card affects the insurer's obligations under the policy to the person making the request. Each person whose life or health is insured under a group policy has the same right to request a copy of any document under Subsection (1)(b).

Except as provided in Subsection (5), no misrepresentation or breach of an affirmative warranty affects the insurer's obligations under the policy unless:

the insurer relies on it and it is either material or is made with intent to deceive; or

the fact misrepresented or falsely warranted contributes to the loss.

No failure of a condition prior to the loss and no breach of a promissory warranty affects the insurer's obligations under the policy unless it exists at the time of the loss and either increases the risk at the time of the loss or contributes to the loss. This Subsection (3) does not apply to failure to tender payment of premium.

Nondisclosure of information not requested by the insurer is not a defense to an action against the insurer. Failure to correct within a reasonable time any representation that becomes incorrect because of changes in circumstances is misrepresentation, not nondisclosure.

If after issuance of a policy the insurer acquires knowledge of sufficient facts to constitute a general defense to all claims under the policy, the defense is only available if the insurer notifies the insured within 60 days after acquiring the knowledge of its intention to defend against a claim if one should arise, or within 120 days if the insurer considers it necessary to secure additional medical information and is actively seeking the information at the end of the 60 days. The insurer and insured may mutually agree to a policy rider in order to continue the policy in force with exceptions or modifications. For purposes of this Subsection (5), an insurer has acquired knowledge only if the information alleged to give rise to the knowledge was disclosed to the insurer or its agent in connection with communications or investigations associated with the insurance policy under which the subject claim arises.

An insurer that offers coverage to a small employer group as required by Pub. L. No. 104-191, 110 Stat. 1979, Sec. 2711(a), may not rescind a policy or individual certificate holder based on application misrepresentation unless the insurer would not have been required to issue the coverage in the absence of the misrepresentation.

Subsection (6)(a) does not prevent an insurer from correcting rates if:

in the absence of misrepresentation a different rate would have been required; and

the corrected rates are in compliance with Section 31A-30-106.

No trivial or transitory breach of or noncompliance with any provision of this chapter is a basis for avoiding an insurance contract.

Notes of Decisions

Cited in 13 cases (4 in the last 5 years), 1986–2025 · leading case: Derbidge v. Mut. Prot. Ins. Co., 963 P.2d 788 (Utah Ct. App. 1998).

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Derbidge v. Mut. Prot. Ins. Co., 963 P.2d 788 (Utah Ct. App. 1998). · cites it 34× “MPIC responded that, under Utah Code Ann. § 31A-21-105 (1995), any misstatement in an application for insurance — even an innocent one— constitutes “misrepresentation” and therefore justifies rescission of an insurance policy if the misstatement is material and relied upon by…”

Hardy v. Prudential Ins. Co. of Am., 763 P.2d 761 (Utah 1988). · cites it 6× “204, § 138 (codified at Utah Code Ann. § 31A-21-105 (1986)). 3 . The predecessor to Utah Code Ann.”

Home Sav. & Loan v. Aetna Cas. & Sur. Co., 817 P.2d 341 (Utah Ct. App. 1991). · cites it 4× “[18] Section 31-19-8 was replaced by Utah Code Ann. § 31A-21-105 in 1986. [19] The trial court subsequently ruled that there was insufficient competent evidence to establish the "would not have provided coverage" alternative, and reading subsections (b) and (c) in the…”

Clearone Commc'ns, Inc. v. Nat'l Union Fire Ins., 494 F.3d 1238 (10th Cir. 2007). · cites it 2× “Under § 31A-21-105 of the Utah Code, “[N]o misrepresentation or breach of an affirmative warranty affects the insurer’s obligations under the policy unless: (a) the insurer relies on it and it is either material or is made with *1244 intent to deceive; or (b) the fact…”

PHL Variable Ins. v. Sheldon Hathaway Fam. Ins. Trust Ex Rel. Hathaway, 819 F.3d 1283 (10th Cir. 2016). · cites it 2× “Under Utah Code Ann. § 31A-21-105(2), an insurer may rescind a policy only if it “relie[d] on a material misrepresentation made by the applicant.”

Cont'l Ins. Co. v. Kingston, 114 P.3d 1158 (Utah Ct. App. 2005). · cites it 2× “1991) (stating that contract is voidable where material misrepresentations are made by insured and insurer relies on those misrepresentations); Utah Code Ann. § 31A-21-105(2) (2003) (describing when misrepresentations affect an insurer’s obligations under an insurance policy).”

Golden Rule Ins. v. Hughes, 784 F. Supp. 817 (D. Utah 1992). · cites it 6× “The parties have neither briefed this provision, nor provided to the court sufficient information to merit a grant of summary judgment.”

Berger v. Minnesota Mut. Life Ins. Co., 723 P.2d 388 (Utah 1986). “We do not consider the claim for the first time on appeal. The verdict and judgment below in favor of defendants are affirmed.”

Utah Power & Light Co. v. Fed. Ins., 983 F.2d 1549 (10th Cir. 1993). “Section 31-19-8(1) was replaced entirely by Utah Code Ann. § 31A-21-105 effective July 1, 1986.”

Cottonwood Acres v. First Am. Title Ins. (D. Utah 2025). · cites it 13× “Further, this court’s holding in Macbean applies broadly to misstatements made while obtaining any sort of insurance because it relies on Utah Code Ann. § 31A-21-105, a statute which, by its own terms, applies to all types of insurance policy application processes, not just life…”

Farm Bureau Prop. & Cas. Ins. Co. v. Sparks (D. Utah 2022). · cites it 3× “2d 388, 389 (Utah 1986) (noting that Utah Code § 31-19-8 was recodified at Utah Code § 31A-21-105 per the recodification of the Utah Insurance Code, effective July 1, 1986)); see also Perkins v.”

Mountainville Com. v. Auto-Owners Ins. Co. (D. Utah 2025). · cites it 3× “Code § R590-190-10(2)(e); Utah Code § 31A-21-105(5). B) Policy Exclusions AOI argues that the claim falls under three exclusions: (1) knowing violations of rights of another, (2) intellectual property right violations, (3) unauthorized use of another’s name or product.”

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— Utah Code § 31A-21-105(2) — 8 cases

Derbidge v. Mut. Prot. Ins. Co., 963 P.2d 788 (Utah Ct. App. 1998). “MPIC responded that, under Utah Code Ann. § 31A-21-105 (1995), any misstatement in an application for insurance — even an innocent one— constitutes “misrepresentation” and therefore justifies rescission of an insurance policy if the misstatement is material and relied upon by…”

Cont'l Ins. Co. v. Kingston, 114 P.3d 1158 (Utah Ct. App. 2005). “1991) (stating that contract is voidable where material misrepresentations are made by insured and insurer relies on those misrepresentations); Utah Code Ann. § 31A-21-105(2) (2003) (describing when misrepresentations affect an insurer’s obligations under an insurance policy).”

Clearone Commc'ns, Inc. v. Nat'l Union Fire Ins., 494 F.3d 1238 (10th Cir. 2007). “Under § 31A-21-105 of the Utah Code, “[N]o misrepresentation or breach of an affirmative warranty affects the insurer’s obligations under the policy unless: (a) the insurer relies on it and it is either material or is made with *1244 intent to deceive; or (b) the fact…”

PHL Variable Ins. v. Sheldon Hathaway Fam. Ins. Trust Ex Rel. Hathaway, 819 F.3d 1283 (10th Cir. 2016). “Under Utah Code Ann. § 31A-21-105(2), an insurer may rescind a policy only if it “relie[d] on a material misrepresentation made by the applicant.”

Golden Rule Ins. v. Hughes, 784 F. Supp. 817 (D. Utah 1992). “The parties have neither briefed this provision, nor provided to the court sufficient information to merit a grant of summary judgment.”

— Utah Code § 31A-21-105(5) — 3 cases

Mountainville Com. v. Auto-Owners Ins. Co. (D. Utah 2025). “Code § R590-190-10(2)(e); Utah Code § 31A-21-105(5). B) Policy Exclusions AOI argues that the claim falls under three exclusions: (1) knowing violations of rights of another, (2) intellectual property right violations, (3) unauthorized use of another’s name or product.”

— Utah Code § 31A-21-105(a) — 1 case

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