Mr. Jones answered questions on his application. What are they called?

When Mr. Jones answers questions on his application, those answers are referred to as representations. In the context of insurance, representations are the statements made by the applicant about their health, lifestyle, and other pertinent information. These statements are considered true to the best of the applicant's knowledge at the time of the application.

The significance of representations is that they are relied upon by the insurer during the underwriting process to assess the risk associated with providing coverage. If the representations are found to be misleading or false, it can lead to issues regarding the validity of the insurance policy.

Warranties, on the other hand, are guarantees made by the applicant that certain conditions are true, while responses is a more general term that does not specifically relate to the insurance context. Perils refer to the causes of loss that insurance policies cover, such as accidents, fire, or theft, and are not related to the applicant's statements in the application process.