7.2 Formalities and Disclosure

The life policy's formalities: the proposal (the applicant's statements — the age, the health- history, the habits, the occupation); the medical examination (the insurer's option — the paramedical-and-non-medical limits); the policy's issuance (the document's delivery — the standard-conditions' attachment); the insurable interest's requirement (the own life; the spouse- and-dependants; the creditor's faces — the pecuniary-interest test for others' lives). The life disclosure's craft (the utmost good faith's life-face): The material facts' duty: the health's full-history (the diseases, the treatments, the family's history); the habits (the smoking-and-drinking); the hazardous occupations-and-avocations; the prior-rejections-and-ratings; The insurer's remedy: the avoidance (the contestable period's discipline — the incontestability's faces: the time-barred repudiation protection); the claim's repudiation (the death's cause's concealment — the classic litigation: Unit 10's cases' world); The agent's completion problem (the proposal's assistance — the blank-and-dash answers' scandal: the agent's misstatement's attribution — Unit 6.2's craft; the consumer's protection's reading); The age's proof (the birth's evidence — the age-misstatement's adjustment faces: the sum's correction-not-avoidance rule).