Which of the following is defined as an absolutely true statement upon which the validity of the insurance policy depends?

The correct choice, warranty, refers to a statement or promise made by the insured that is considered absolutely true and forms a condition of the insurance policy. This means that if the warranty is found to be false or not upheld, it can lead to the denial of a claim or cancellation of the policy. Warranties are typically essential for the insurer because they provide a guarantee regarding certain conditions or characteristics that are critical to the risk being insured.

In the context of the other terms, disclosure refers to the act of revealing relevant information to the insurer, while representation is a statement made by the insured that is believed to be true to the best of their knowledge—such statements are not guaranteed to be entirely accurate. Endorsement refers to an amendment or addition to the insurance policy that modifies its terms or coverage. Unlike warranties, these do not carry the same profound implications regarding the truthfulness of the statement and the validity of the policy.