(1) Ninguna persona falsificará ni hará que se falsifique en una solicitud de seguro ninguna respuesta a cualquier pregunta hecha al solicitante en la misma, ni insertará ni hará insertar en la misma, excepto como se dispone en el inciso (2) de esta sección, ninguna declaración que deba hacer dicho solicitante, si no es hecha por éste.
(2) Una solicitud de seguro hecha por escrito por el solicitante sólo podrá ser alterada por éste o mediante su consentimiento por escrito, excepto que podrán hacerse inserciones o correcciones por el asegurador en tal forma que se indique claramente que tales inserciones o correcciones no han de ser atribuidas al solicitante.
(3) Un asegurador que expida una póliza a base de una solicitud que ha sido ilegalmente alterada por algún director, empleado o agente suyo no podrá utilizar ninguna defensa basada en el hecho de tal alteración, o en cuanto a ningún detalle que hubiere sido así alterado, en la acción que surgiere de dicha póliza.
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