Sec. 4016. (1) Each life insurance policy shall contain a provision that all statements made by the insured, shall, in the absence of fraud, be considered representations and not warranties. The statement shall not avoid the policy unless the statement is contained in a written application and a copy of the application must be endorsed upon or attached to the policy when issued. (2) An application obtained through electronic means is an application under subsection (1). The information contained in that application must be endorsed upon or attached to the policy.
Mich. Comp. Laws § 500.4016
Statements considered representations; provision required; electronic application; endorsement
Applied in 4 court decisions — leading case 60 Mich. App. 469 - Howard v. Golden State Mutual Life Insurance (1975)
Most recently applied in Purry v. State Farm Fire & Cas. Co. (October 2018)
1956, Act 218, Eff
How often courts cite this section
Court decisions citing this, by year. The dip in the last several years is a data-coverage gap, not a real trend — our corpus holds fewer opinions from the most recent years, so recent citations are undercounted.
Official source: Michigan Legislature. Reproduced from public-domain Michigan statutes; confirm against the official source for the current text. Not legal advice.