Aluminium was a successful businessman. One day, Aluminium was approached by one insurance agent, Plastic, from Great Western Life Insurance Bhd (GWL). Aluminium agreed to buy a medical insurance for himself. While filing the proposal form for his medical insurance policy, Aluminium did not disclose that he was treated for heart condition five (5) years ago. This is because he thought the problem was not serious since he no longer required treatment. One day Aluminium suddenly suffered a heart attack. He was admitted to the hospital and underwent a minor operation. When Aluminium presented the medical claim to GWL, they denied their liability based on the reason that Aluminium failed to disclose his heart problem prior to the issuance of the policy Aluminium had also taken a policy of fire insurance in order to cover the loss should his office is damaged in a fire, One day, Aluminium's office was on fire due to an electric short-circuit. During this tragic incident Aluminium did not make any attempt to stop the fire by all possible means. He just remained silent and watched fire engulfed his office. When he was asked by his staff to call the fire brigade, he spontaneously said, "Why should I wory? I've insured my office and I will claim indemnity from my insurance company. In addition to the fire insurance policy, Aluminium also had taken life insurance coverage from the Insurance Glass Bhd (IG). He signed the agreement and paid his premium for the first month in cash upon signing. Due to internal management problem, IG's delayed in issuing the insurance policy to Aluminium. Two (2) days after payment had been made but before a policy was issued, Aluminium died in an accident. Gl refused to pay indemnity under the life insurance taken by the late Aluminium based on the reason that the deceased had died prior to the issuance of the insurance certificate Prior to his death, the late Aluminium bought a car and insured the car under his name with Syarikat Insurans Plywood Bhd (SIP). One day, the deceased's sister, Fiber wanted to buy the deceased's car but she did not have sufficient money to pay for the car. They agreed that Fiber would pay by instalment and she could use the car. One day, while driving the car, Fiber was involved in an accident. When Fiber submitted her claim to repair the car, SIP rejected the claim. Fiber was very frustrated and claimed that she had an insurable interest since she had bought the car from the deceased and the car was placed in her possession with deceased's pemission. Selesaikan masalah-masalah di atas. Settle the above problems. (Jumlah/Total: 25 markahlmarks)