State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
Under CIC Section 10382, if an alteration to a disability insurance application is made by an officer of the insurer, or by an employee with the insurer's knowledge or consent, the alteration is:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 10382 closes a loophole by providing that if an alteration is made by an officer of the insurer, or by any employee of the insurer with the insurer's knowledge or consent, the alteration is deemed to be performed by the insurer issuing the policy upon the altered application. This attribution rule means the insurer, not the applicant, bears responsibility for such changes, protecting the applicant from being bound by statements they never made. It complements the misdemeanor penalty for unauthorized alterations by others.
Why the other options are wrong
- B) The statute does not void the alteration; it attributes it to the insurer, which is responsible for it.
- C) The alteration is deemed the insurer's act, not the applicant's statement.
- D) No filing with the Commissioner is required; the rule is one of legal attribution.
Memory hook
Insurer's officer edits the application? The insurer owns that edit. Attributed, not voided.