Question 1 Your client has been a smoker for the past 20 years. He does not want to disclose this issue in the application form for personal insurances, as he is aware that this issue will more than likely double the premiums that he will be required to pay. What advice would you provide to the client in relation to this non-disclosure and the ramications it could have for future claims? Your answer should also focus on the "Duty of Disclosure\" that an insurer would expect from a potential client {Suggested word length 100