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. This product brochure is
indicative of the terms, conditions, warranties and exceptions contained in the
insurance policy bond.