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Insurance is a contract of utmost good faith and the Life to be Insured/Proposer (If different from Life to be Insured) is required to disclose all material facts to the insurer. All answers to the questions stipulated in this Proposal form are the basic of and are an inseparable part of the policy of insurance. In case of doubt as to whether a fact is material or not, the fact should be disclosed. Please answer all questions. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.