What is meant by an immaterial representation?

An immaterial representation refers to statements made by the applicant during the insurance application process that do not significantly impact the insurer’s decision to accept the application or determine the premium rates for the policy. These representations are generally considered insignificant in the context of underwriting because they do not provide critical information that could alter the risk assessment or the pricing of the policy.

For instance, if an applicant mentions a minor detail about their lifestyle that does not relate to their overall health or risk profile, it would be classified as an immaterial representation. Such statements do not hold weight in assessing the applicant’s eligibility for coverage or the associated costs. Insurers are primarily concerned with material representations—those that can influence their evaluation of risk—while immaterial representations are viewed as inconsequential within this context.