Thabiso took an insurance policy with cover-link insurance brokers. The sum assured was substantial. Thabiso was described as first class life. However, Thabiso did not disclose in the proposal for that he was not a mountaineer. The proposal is filled in by an insurance agent on his behalf. Although Thabiso told the agent that he is 42 years, the agent for reasons best known to him wrote 32 years. Thabiso signed the form without reading it. Before first premium was paid , Thabiso fell off the cliff and was badly injured. His wife then quickly made a premium cheque for cover-link insurance broker. Thabiso died during an operation for his injuries.

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