The part of a life insurance policy guaranteed to be true is called a...

• A. Endorsement
• B. Rider
• C. Exclusion
• D. Warranty

Answer: (C)

A warranty is a statement in a life insurance contract that is guaranteed to be true. It represents a fact the applicant or insured promises is true, and the contract relies on that truth. If a warranty is breached, the insurer may have the right to void the policy or deny a claim because the risk was based on that guaranteed truth.

Endorsements modify terms after issue, riders add coverage, and exclusions spell out what’s not covered—none of these are the guaranteed-true statements that form warranties.