Non-Disclosure

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  • pdf CR347 - Non Disclosure [NEW]
    Complainant failing to disclose relevant medical condition - cover granted on standard terms - complainant subsequently disclosing diagnosis in servicing alteration application – was the underwriting agent’s failure to notice the “change of health” disclosure inadequate underwriting? (CR347)
  • pdf CR313 - Non-Disclosure.pdf
    Claim for Disability Income Benefits– should a consultation during 2005 have been disclosed, and was it material to the risk. (CR313)
  • pdf CR306 - Equity
    Equity - new policy issued as replacement - old policy cancelled - non-disclosure in application for new policy, and new policy cancelled - can claim be entertained on the replaced policy (CR306)
  • pdf CR291 - Complainant's refusal
    Complainant's refusal, after lodging his claim, to consent to the insurer obtaining a report from the specialist who had treated him - office unable to support the complainant (CR291)
  • pdf CR290 - Pre-existing conditions
    Pre-existing conditions - whether insured had failed to disclose relevant information (CR290)
  • pdf CR271 - Non-disclosure
    Non-disclosure - bipolar mood disorder - dispute about whether diagnosed before inception of the policy - onus on insurer (CR271)
  • pdf CR200 - Non-disclosure
    Non-disclosure - materiality - remedies - may an insurer rescind if it would have contracted in any event albeit on different terms? (CR200)
  • pdf CR270 - Non-disclosure
    Non-disclosure - complainant unaware of his condition - his doctor having failed to inform him thereof, and having further failed to disclose it in the medical certificate accompanying the proposal form (CR270)
  • pdf CR269 - Non-disclosure
    Non-disclosure - when knowledge of representative will be imputed to insurer - constructive knowledge -representative of insurer appointed to assist applicants for insurance in filling our proposals - thereafter to enter such information on an electronic form for assessment by underwriters - representative being told of a relevant condition but failing to enter it on electronic form (CR269)
  • pdf CR231 - Non-disclosure
    Non-disclosure - Policy cancelled on grounds of non-disclosure- alleged re-instatement of policy after death of insured life - reinstatement abortive (CR231)
  • pdf CR199 - Non-disclosure
    Non-disclosure - whether the insured disclosed sufficient information to have complied with his duty of disclosure (CR199)
  • pdf CR198 - Non-disclosure
    Non-disclosure - whether evidence supported insurer's view that false information had been disclosed (CR198)
  • pdf CR157 - Non-disclosure
    Non-disclosure - exclusion - non-disclosure of suicide of other family members - passage of time - effect of (CR157)
  • pdf CR156 - Penalties
    Penalties – duty to inform policyholder of punitive deductions when making a loan against a policy – policyholder to be afforded a reasonable opportunity to make an informed decision about penalties charged (CR156)
  • pdf CR155 - Non-disclosure
    Non-disclosure - whether evidence supported insurer's view that false information had been disclosed (CR155)
  • pdf CR154 - Non-disclosure
    Non-disclosure of material information. Proposer's mental status at the time non-disclosure featured is questioned (CR154)
  • pdf CR153 - Non-disclosure
    Non-disclosure - whether the insured disclosed sufficient information to have complied with his duty of disclosure (CR153)
  • pdf CR115 - Repudiation due to alleged non-disclosure
    Repudiation due to alleged non-disclosure - was the non-disclosed material material? (CR115)
  • pdf CR46 - Non-disclosure
    Non-disclosure - payment of claim for premium waiver benefit
  • pdf CR45 - Non-disclosure
    Non-disclosure - claim for disability repudiated - material
  • pdf CR44 - Non-disclosure
    Non-disclosure - disability claim repudiated (CR44)
  • pdf CR43 - Non-disclosure
    Non-disclosure - extent of duty
  • pdf CR42 - Non-disclosure
    Non-disclosure - extent of disclosure required
  • pdf CR41 - Non-disclosure
    Non-disclosure - what info is sufficient
  • pdf CR40 - Non-disclosure
    Non-disclosure - insurer's right to investigate (CR40)
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