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. Please read the sales brochure carefully for details on risk factors, term and conditions of the product before filling this proposal form. Insurance is the subject matter of the solicitation.